Category Archives: Homeowners Insurance
Condominium vs. House Insurance
High Prevalence of Condos in South Florida Florida has the highest number of residents who live in Community Associations, which include homeowners’ associations, condominium communities, and cooperatives, according to the 2016 Community Association Fact Book. In fact, 9.7 million Floridians live in these types of communities. Condo sales have been up in South Florida,… Read More »
Was Your Intentional Loss Not Covered?
Typically, an intentional act to cause damage is not covered under a homeowners’ insurance policy. As such, insurance companies sometimes do all that they can to prove that an accident was no accident, and that the homeowner or the other co-insured intentionally damaged the property. For example, arson is not covered under a homeowner’s… Read More »
Chipped Tile Claim
Chipped tile is one of many types of property damage that can cause devalued property or additional home damage if not treated. For example, damaged tile in a bathroom can lead to mold and rot if not fixed and replaced by a professional contractor. Whether your tile floor was damaged due to normal wear… Read More »
Insurance Claim Issues with Airbnb
Hosting travelers and vacationers in your home through Airbnb is a great way to make some extra money and meet new people. Maybe your primary goal is just to earn enough to afford the home makeover that was necessary to rent your place out, or Airbnb has become your primary source of revenue. However,… Read More »
Citizens Insurance Wants More Control over Who Manages Repairs to Your Property
If you have damage to your home that is covered by your homeowners’ policy, you may think that your troubles are over. After all, the insurance company agreed to pay a reasonable sum for whatever damage was caused by your house. But you may find that the insurance company’s agreement to cover your damages… Read More »
General Home Upkeep to Avoid Neglect Exclusion
One very common yet unknown homeowners’ insurance policy exclusion is that of neglect. Neglect means that the homeowner failed to properly upkeep their property. But what does this actually mean? What responsibilities do homeowners have to maintain their dwelling? For more information, or if your insurance claim has been denied, a West Palm Beach… Read More »
HO3 vs. HO5 Homeowners Insurance Policies
The HO3 homeowners insurance policy is the most popular in Florida and throughout the U.S., according to the National Association of Insurance Commissions. While this standard HO3 policy is less expensive, it does not cover as many perils as an HO5 policy. To learn more about your homeowners insurance options, or to discuss a… Read More »
Policy Exclusions for Chinese Drywall
“Chinese drywall” is a low quality, toxic drywall that was imported from China to the U.S. between 2001 and 2009, and in just a few years, more than 100,000 homes in the U.S. were outfitted with this hazardous product, according to NPR. The drywall emits toxic fumes that not only cause corrosion to plumbing… Read More »
My Insurance Company Denied my Dog Bite Liability Claim
When your dog injures another person on your property by biting them, or attacks or bites someone outside of your property, you are most likely going to be held responsible for their injuries. You may be liable for their medical bills, lost wages, lost earning capacity, pain and suffering, emotional or psychological harm, scarring… Read More »
Three Types of Preventable Losses: Water Leaks, Roof Damage, and Creosote Build Up
What comes to mind when you hear about home insurance and catastrophic damages? Tropical storms and hurricanes, sinkholes, fires, and burglary are at the forefront of most people’s minds. Florida actually has the most expensive homeowners’ insurance premiums to reflect some of those natural disasters, according to the Insurance Information Institute, where sinkholes and… Read More »
