Summer in South Florida often falls into a hypnotic pattern centered on enjoying the water and avoiding the midday heat. Schools are out, and there’s a vacation mindset for locals as well as tourists. Chores get pushed back until sometime later. It can be a lazy season. But the tranquility of summer rests on a fault that could lead to disaster at any time. Hurricane season starts right after Memorial Day and continues until the […]
Unfortunately, it is becoming increasingly common for insurance companies to undervalue damage to both residential and commercial property when owners file a claim. When that happens, property owners have three options, only two of which make sense, in our opinion. The first option is to accept the inappropriately low amount offered by the insurance company and later complain about it online. While the complaints may provide some emotional outlet, they offer no help whatsoever toward making […]
In September, Florida’s Office of Insurance Regulation announced that it was ordering penalties totaling over $2 million against eight insurance companies for the way they handled homeowners’ insurance claims after Hurricane Ian and Hurricane Idalia. The agency also reported that two additional investigations were still underway and could result in additional fines. Chief Financial Officer Blaise Ingoglia stated that the fines were “proof positive” that the agency was committed to holding insurance companies accountable. However, […]
Law360 (August 14, 2025, 8:55 PM EDT) — A recent Florida appellate court ruling affirming that the state’s last-resort insurer properly denied a late-filed claim for hurricane damage wasn’t surprising given legislative changes in recent years, but highlighted the import of filing timely claims, experts say. Policyholder and carrier attorneys said the Aug. 6 decision in Maria Morales v. Citizens Property Insurance Corp. emphasized a clear point of law — late-filed claims aren’t covered — […]
It’s that time of year again. We need to start thinking about hurricanes and be prepared to deal with the consequences if one were to hit our area. Safety is critical, but when we follow guidelines, hurricanes are more likely to pose a risk to our financial security than our physical security. We purchase insurance coverage to protect us from having to cover all the costs if a storm damages our home, business, vehicle, or other property. However, […]
There are few issues more frustrating in life than finding defects in a home or business property that you have invested substantial sums of money into. When you’ve done your due diligence and hired inspectors and the problem is not revealed until after closing, you can feel like you’re trapped in a money pit. However, you may have a number of options for seeking legal relief for defects in building construction if you understand how […]
Hurricanes can be devastating, and for Florida homeowners, the aftermath often involves costly repairs to property and personal belongings. Many homeowners rely on their insurance policies to help cover these expenses, but unfortunately, insurance claims are not always approved. If your claim has been denied, it’s important to know your rights, the steps to take, and how to fight back. In this comprehensive guide, we will cover what Florida homeowners need to know about denied […]
Homeowner’s insurance is essential for protecting your most valuable asset—your home. Living in Florida, where hurricanes, tropical storms, and flooding are common, makes having adequate coverage even more critical. However, there are several myths about homeowner’s insurance that can cause confusion and leave Florida homeowners vulnerable to risks they may not be aware of. In this blog, we’ll debunk some of the most common myths surrounding homeowner’s insurance in Florida and help you understand what […]
Hurricanes are a significant concern for homeowners in Florida, and having the right insurance coverage is crucial to safeguarding property and finances. However, there are many misconceptions about hurricane insurance policies that can lead to confusion and inadequate protection. Dispelling these myths can help homeowners make informed decisions and ensure they are properly covered. Below, our Miami insurance coverage lawyer shares some common myths and the facts that debunk them. Myth 1: Homeowners Insurance Automatically […]
Filing an insurance claim can be daunting, particularly in a bustling and often storm-prone area like Miami. The complexities of insurance policies, combined with the stress of dealing with damage to your property or health, can lead to mistakes that may jeopardize your claim. Below, our Miami insurance claim lawyer discusses some of the top mistakes to avoid when filing an insurance claim in Florida, aiming to guide you through a smoother, more effective claims […]
