The Homeowner's Advocate Blog
Stay informed on the latest news and resources to ensure you get the most from your insurance policy, whether you’re dealing with hurricane damage, vandalism, theft, or other claims.
Explore our blog for valuable advice from experienced public adjusters
Home Insurance Deductible Explained: What Every Homeowner Needs to Know
A home insurance deductible is the amount a Florida homeowner must pay out of pocket before insurance coverage applies. Deductibles vary by claim type, with
Florida Property Insurance Market Trends: What Homeowners Need to Know in 2026
Florida property insurance market trends in 2026 show signs of stabilization after years of volatility, but homeowners still face high premiums, stricter underwriting, and increased
Wind or Flood Damage? How to Know Which Insurance Covers Your Florida Home After a Storm
Florida homeowners face a unique challenge after every major storm or hurricane: determining whether the damage was caused by wind or flood. This matters more
Proactive Strategies for Florida Property Owners in a Changing Home Insurance Legal Environment
Florida’s home insurance landscape has undergone dramatic transformation in recent years. Legislative reforms, insurance company departures, rising premiums, and changing coverage options have created a
Navigating Low Insurance Settlements in Florida: When and How to Hire a Public Adjuster
Receiving a low settlement offer from your insurance company after property damage can feel like a second disaster. When your Florida home suffers damage from
What Is an Insurance Appraisal Clause & When Should You Use It?
What Is the Insurance Appraisal Clause? The Appraisal Clause is a provision in many homeowners and commercial property insurance policies. It provides a way to