Property Damage

By: Kelly Fantetti, Esq. For years, Florida Statute Section 627.70132 applied only to windstorm and hurricane claims, and it required that a claim “for loss or damage caused by the peril of windstorm or hurricane is barred unless notice of the claim, supplemental...

Your roof is your home’s first line of defense against weather events, such as hail. It is designed to protect your home from the damage that could otherwise be inflicted. The downside to this, of course, is that the roofing itself can be significantly damaged by the...

When a natural disaster or someone’s negligence damages your property, you expect your insurance company to handle it fairly and promptly. Many insurers provide excellent service, but some may act in bad faith, leaving you on the hook for damaged property (like a...

Homeowner's insurance may feel like a frustrating and unnecessary expense to someone who is buying their first property or reworking their budget after a sudden drop in income. However, in the rare circumstances where people need homeowner's insurance, having a policy...

When you buy a property, you will want to do all you can to protect it. As a result, you will likely have purchased a property insurance policy to be safe. However, it may not protect you as expected. Your insurer may fail to cover you as promised despite paying...

A storm or a fire may have wreaked havoc on your family home. Fortunately, the damage is covered by homeowner's insurance, and all you have to do is file a claim with your insurer to recover compensation for your losses. Filing a claim may seem like a pretty...

Homeowner's insurance is the bare minimum of coverage required for those who own residential property. It provides liability protection in case visitors get hurt and baseline protection for damage to a home. Some people choose to purchase far larger and more...

Black water is highly contaminated, as it contains sewage, bacteria and chemicals. When your toilet overflows or a flood occurs in your area, the wastewater may not flow into the sewer system. Instead, it can back up into your house. Black water may also source from...

A leaking pipe can cause a catastrophic amount of damage in your home. Even a small amount of water leaking out for a short time can damage drywall, electrical systems and even the structural elements of the home, such as the studs and beams in the walls. The most...

When people say that they have to fight with the insurance company over a home insurance claim, they generally mean that the insurance company is not honoring it when they believe they should. Maybe the insurance company is telling them that they will pay far less...