Month

July 2020
public adjuster
Important changes have been made to the Florida Statutes regulating the business of public adjusters in the past couple of years.
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sinkhole
Important changes have been made to the Florida Statutes regulating the business of public adjusters in the past couple of years.  Below are some that are the most important, Subsection 627.706(5), F.S., was created to limit the time period a policyholder can present an initial, supplemental or reopened claim under an insurance policy that provides...
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flood map
Did you know that hurricanes or any tropical system can have FIVE major impacts?  These include storm surge, flooding, strong wind, tornadoes and rip currents. Today’s topic is determining your risk. Mid-Atlantic region is one of the most hurricane ravaged areas in the country.  The entire region, from the mountains to the coast, is susceptible to...
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repair
You may find yourself in a situation where your insurance company issues a payment, but it is not enough to complete repairs. In that case, Fair Claims Law recommends that you complete as much of the repairs to your property with that payment however, often times, it does not make sense to do so. For...
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drain pipe
Thousands of South Florida homes are suffering back-ups through toilets, sinks, showers, and bathtubs from broken cast iron drain lines. The life expectancy for cast iron is approximately 50 to 60 years. As a result, several homes built prior to the installation of PVC piping are experiencing these problems. If drain water overflows your sink,...
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Your home-owners policy requires you to provide prompt notice after a loss. Florida courts have stated that “[n]otice is necessary when there has been an occurrence that should lead a reasonable and prudent [person] to believe that a claim for damages would arise.” Notice is prompt when a homeowner provides notice to the insurer “with...
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flood
Interior floor tiles often suffer damage from a covered loss however the damage itself may not be obvious to the untrained eye. For example, in the unfortunate event of moisture intrusion beneath a floor or wall tile from a plumbing leak or roof leak, the mortar adhesion may be compromised. This will cause the tile...
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camera
Photographs are always a great tool to show your insurance company the damages as they were when the event happened. Photographs are especially important should you need to complete repairs prior to the insurance company having an opportunity to inspect the property. This occurrence happens regularly in rental properties where tenants need their residences repaired...
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roof tiles
Hurricanes and other windstorms often cause damage to your roof tiles that may not immediately manifest themselves into apparent or visible damage. This could occur do to uplift pressures on the roof systems compromising the structural integrity of the system while staying invisible to the untrained eye. This phenomenon is well described by Florida Engineer,...
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In Florida, your attorney’s fees and costs are included in a lawsuit should you file a lawsuit against your own insurance company pursuant to Florida Statute §627.428, which reads as follows: §627.428 Attorney fees. — (1) Upon the rendition of a judgment or decree by any of the courts of this state against an insurer and in...
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