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 than most people realize. Why? Because your insurer treats wind vs flood damage insurance in Florida very differently — and choosing the wrong claim type (or not documenting the difference clearly) […]
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 complex environment that demands property owners stay informed and proactive. Whether you are a longtime Florida homeowner or new to the state, understanding how recent legal changes affect your property […]
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 hurricanes, floods, fire, or other covered perils, you expect your insurance policy to provide adequate compensation for repairs. Unfortunately, many homeowners discover that their insurer’s initial settlement offer falls significantly […]
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 resolve disagreements between policyholders and insurers about the value of a covered loss, without the need for legal action. Instead of going to court, both sides select unbiased appraisers to […]
The Hidden Risk in Your Property Insurance: Understanding Protective Safeguard Endorsements (PSEs)
What Are Protective Safeguard Endorsements? When reviewing your property insurance policy, you may come across a section called a Protective Safeguard Endorsement (PSE). At first glance, this may seem like just another technical clause, but in reality, PSEs can put your entire insurance coverage at risk if not fully understood and properly managed. A Protective […]
How to Create a Comprehensive Home Inventory Checklist for Insurance Claims
Why Every Homeowner Needs a Home Inventory Disasters like hurricanes, fires, or floods can strike when you least expect them, causing severe damage or even total loss of your home and belongings. While having the right insurance policy is critical, many homeowners forget one important step: creating a home inventory. A detailed home inventory checklist […]
Congressional Representatives Demand Action on Hurricane Insurance Claimsin Florida and the Southeast
Table of Contents 1. The Push for Accountability in Hurricane Insurance 2. What Congress is Doing to Help 3. Why This Matters to Homeowners in Florida and the Southeast 4. Tips for Navigating Hurricane Insurance Claims 5. Get Help From a Local Advocate in Bradenton, FL The Push for Accountability in Hurricane Insurance Recent hurricanes […]
What Can or Can’t Be Covered in Your Insurance Policy?
What Does Your Damage Look Like? What Can or Can’t Be Covered in Your Insurance Policy? Understanding what damage your insurance policy covers can be like navigating a complex maze. Have you ever found yourself wondering if your policy covers all scenarios? Let’s delve into this intriguing topic together. The HomeOwner’s Advocate offers insights that […]
When To Update a Home-Insurance Policy?
There are a number of things people update periodically: Their wardrobe. Their resume. Their Facebook status. Their phone. But what about their HomeOwners Insurance policy? Those who only take a good look at their coverage when they first buy their home or when they’re shopping around for a new insurer could be missing out on both […]
Weather, inflation and home values: The perfect insurance storm!!
Several converging factors in 2024 create a challenging market for consumers looking for home insurance coverage. Insurance companies are taking a close look at their books of business as weather has changed in severity, frequency and geography. Historically, the threat of hurricanes was the biggest weather concern from a carrier perspective, limiting risk mostly to coastal […]