It is important for you to understand the liability coverage with your insurance policy. Every homeowner policy has liability coverage for bodily injury caused to others at their home or property damage to other property. It doesn’t cover for every incident. It is there to protect policy holders from incidents that are not expected or … Continue reading “Understanding Your Liability Coverage”

Did you know under the new Florida law, it eliminates assignment of benefits on policies issued after January 1st, 2023. That means you cannot provide companies the right to sue your insurance company for services they provided to you. In other words, you will need to hire these companies without any expectation of being reimbursed … Continue reading “New Law Eliminates AOB. Details Inside”

Important information about the new Florida law changes. Insurance companies must send an adjusters report within seven days of the report being created. Under the new law, if your property’s inspected and a report is prepared, your insurance company is supposed to provide a copy of this report within seven days after its creation. The … Continue reading “Important Update! 7 Days Adjuster Rule”

Important information you must know about the new Florida law change. Insurance companies must physically inspect your property within 30 days. This includes hurricane claims. Your insurance company must inspect your property within the 30 days after your claim is reported. Do not let your insurance company provide excuses, hold them accountable for any delays. … Continue reading “Your Hurricane Claim and the 30 Day Rule”

Important information you must know about the new Florida law changes. Insurance companies must investigate claims within seven days under the new law. If you file the claim, your insurance company has seven days to start their investigation. Make sure to use your calendar and keep track of your claim and hold your insurance company … Continue reading “Important Update! 7 Day Investigation Window”

Important information you must know about the new Florida law. Insurance companies must acknowledge communications in seven days, not 14 days like they used to. The new law has shortened the insurance company’s response time when communicating to policy holders. You need to hold your insurance company accountable if they are not responding to your … Continue reading “Important Update! New 7 Day Window”

Important information you need to know about new Florida law. Insurance companies must decide a claim in 60 days. Get representation, file quickly. The new law has shortened the time for insurance companies to make coverage decisions. Make sure you hold them accountable. If you feel that your insurance company has not properly responded to … Continue reading “The 60 Days Rule. Must File Quickly!”

You need to watch out. If you own a second home or a vacation home in Florida, you may be hit by increased insurance premiums based on the new Florida law. Check with your insurance agent or speak with an experienced insurance attorney to make sure that you are properly covered.

Under the new Florida law, if you receive an insurance premium offer from another insurance company that is less than 20% more than the renewal offer from Citizens, you will not be eligible to be insured by Citizens. For example, if Citizens renewal offer is a thousand dollars and another insurance company offers a premium … Continue reading “Citizens Insurance & the 20% Gotcha!”

Don’t forget to supply proof. If you are insured with Citizens, you’ll need to provide a copy of your flood insurance if you want to be insured by them. It does not matter if you are not in a flood zone, they will drop you. Make sure to check with your insurance agent or speak … Continue reading “Citizens Flood Requirement. Must Supply Proof!”