EUO, examination under oath. For an EUO, it is possible that your agents have to sit for one if requested. Your insurance company has a right to request that your business associates or family members sit for an EUO. If these people are within your control, they’re required to sit for an EUO. If you … Continue reading “What is an Examination Under Oath?”

Don’t forget to retain damaged property. Insurance companies love to claim that a portion of a pipe or a wall was missing during their inspection. Make sure to provide photos if any of any reconstruction work. If you are unsure, please contact your insurance agent or speak with an experienced insurance attorney.

Liability, it doesn’t cover for intentional acts. Liability coverage is not meant to cover a policy holder for actions that are intentional. You cannot intentionally set your neighbor’s house on fire or vandalize their property and be covered. If you are unsure whether your actions are covered, contact your insurance agent or speak with an … Continue reading “Liability Won’t Cover Intentional Actions”

Question, does your homeowner’s insurance policy provide liability coverage for incidents not at your house? Liability protection extends to incidents that do not happen on your property. For instance, if you are grilling and a tree branch from the neighbor catches on fire and that spreads to the neighbor’s property, you may be covered for … Continue reading “Does Liability Cover You for Incidents NOT at Your House”

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”