Advocate Claims Public Adjusters

https://jasongarcia.substack.com/p/how-home-insurance-companies-in-florida?fbclid=IwZXh0bgNhZW0CMTEAAR10BEbSKaNHPgmoWl-CFmFxi3cStECkTsuWtXcAB6t_-mgPwo23IJTtib4_aem_rrpeQsxectgmaI0khTYgmA

How home insurance companies in Florida sidestep rules meant to prevent excess profits A new financial review by state insurance regulators reveals an elaborate money maze.

https://www.propertyinsurancecoveragelaw.com/blog/the-history-and-demise-of-florida-laws-protecting-policyholders-when-insurers-act-wrongfully/?utm_medium=email&_hsenc=p2ANqtz-8sIlTA9Q4h_oIN-hb5Cg7tYj57yDtnnNIbHcOrQxekdeHcHMyRIziJxDBfTOKjj59a_ige2W_VYJdzNNb40YgAVz8DvI5inmiCB-hWZAZrFia0SmE&_hsmi=315135370&utm_content=315135370&utm_source=hs_email

The History and Demise of Florida Laws Protecting Policyholders When Insurers Act Wrongfully | Property Insurance Coverage Law Blog July 10, 2024 Michael A. Cassel’s law review article, Senate Bill 2-A: The Laws It Changed and Its Impact on Past, Present, and Future Claims, 1 provides an in-depth

Good Morning. I have 20-plus years of experience handling property Florida insurance claim disputes. If your insurance claim was underpaid, you might be a candidate to go to appraisal. Please feel free to reach out to me to learn more at 954-978-0886.

Successful Insurance Claim Appraisals from Florida Insurance Claim Appraisal Florida Insurance Claim Appraisal has helped hundreds of home owners get a fair settlement for their disputed insurance claim through the appraisal process.

Understanding Your Insurance Documents When Making A Claim

When faced with a property damage insurance claim, the first crucial step is to obtain a complete, true, or certified copy of your insurance policy. This essential document provides the foundation for determining coverage and limitations for your claim. It is the first document a good attorney or public adjuster requests.

https://www.advocateclaims.com/understanding-your-insurance-documents-when-making-a-claim/

Understanding Your Insurance Documents When Making A Claim Your insurance declaration pages are not sufficient for filing a claim. Learn about endorsements, policy changes, & getting a certified copy.

Tips for Navigating Wind-Driven Rain Claims in Florida
Florida homeowners must understand the intricacies of their insurance policies, especially regarding wind-driven rain. Here are essential insights to help you navigate roof insurance claims:

Wind-Driven Rain Exclusions
Most Florida insurance policies exclude (do not cover) damage caused by wind-driven rain. This exclusion means that if your roof leaks due to heavy rains and causes interior damage to your ceilings or walls, your insurance company will not cover the damage unless certain conditions are met.

https://www.advocateclaims.com/understanding-wind-driven-rain-exclusions-in-florida-property-damage-claims/

Wind-Driven Rain Exclusions in Florida Property Damage Claims Understand when roof leaks are covered, how to report damage, and manage expectations to avoid unexpected expenses.

https://www.propertyinsurancecoveragelaw.com/blog/breaking-news-citizens-managed-repair-consent-form-violates-policy-language/?utm_medium=email&_hsenc=p2ANqtz-_unUmv5NHwR3RLj83HbFfHOg3loEFSj34N3IfNwmS27xpIEy57_sF7bdoIq603AIGf3Zn4jYuJYy4dPpm5OMSwrTxvsVeT79M4SUsVFkqaKJEbpRY&_hsmi=310088071&utm_content=310088071&utm_source=hs_email

Breaking News: Citizens Managed Repair Consent Form Violates Policy Language | Property Insurance Coverage Law Blog June 4, 2024 A Florida trial judge has ruled that the Citizens Property Insurance Managed Repair Consent Form violates policy language. 1 Here is the gist of the

https://www.nbc-2.com/article/florida-homeowners-lack-flood-insurance/60947389

Insurance crisis: 83% of Florida homeowners lack flood insurance coverage With hurricane season starting on June 1, insurance experts are finding that most Floridians, a whopping 83% of Florida homeowners, do not have flood insurance.

https://www.fox4now.com/cape-coral/cape-coral-1-000-000-fine-for-insurance-company-residents-still-arent-paid

CAPE CORAL: $1,000,000 fine for insurance company; residents still aren't paid The Tampa-based insurer was recently fined $1 million by the Florida Office of Insurance Regulation.

https://www.claimsjournal.com/news/national/2024/05/30/323913.htm

32.7M Homes at Risk of Hurricane Damage, Report Shows More than 32.7 million residential properties are at risk of moderate or severe damage sustained from hurricane-force winds from Texas to Maine, a new

https://www.aol.com/hurricane-activity-going-insurance-coverage-203256891.html

Hurricane activity is going up. Is your insurance coverage doing the opposite? | Opinion Insurance crisis: As part of your hurricane prep this year, review your homeowners policy | Opinion

https://www.wmnf.org/property-insurance-company-pay-1-million-fine-mishandling-claims-hurricane-ian/

A property insurance company will pay a $1 million fine over mishandling claims after Hurricane Ian An order says that Heritage Property & Casualty Insurance violated claims-handling requirements following Hurricane Ian.

https://www.news-journalonline.com/story/news/state/2018/09/21/florida-supreme-court-justices-deal-blow-to-insurer-in-bad-faith-dispute/10246001007/

Florida Supreme Court justices deal blow to insurer in 'bad faith' dispute TALLAHASSEE — In a case stemming from a fatal car accident a dozen years ago, a sharply divided Florida Supreme Court on Thursday backed a jury’s conclusion that GEICO General Insurance Co. acted in …

https://amp.insurancejournal.com/news/southeast/2024/05/07/773103.htm

Update: Fannie Mae Guidelines Raise Concerns, Could Bar ACV Coverage for Homes An updated guideline from Fannie Mae, if it stands, could throw a wrench into the property-casualty insurance industry’s move toward actual cash value for more homeowners and condo coverage.

https://jacobin.com/2024/04/insurance-natural-disasters-louisiana-regulation/

Insurers Are Deserting Homeowners After Natural Disasters As increasingly severe natural disasters ravage the South, insurance companies are abandoning clients, increasing premiums, and fighting regulation measures — forcing homeowners to fend for themselves in the wake of destruction.

These Floridians rebuilt houses in flood zones. Now FEMA is cracking down. Lee County has long been a poster child for risky waterfront development.

https://www.newsweek.com/warning-issued-florida-insurance-market-1890133

Damning warning issued over Florida insurance market Most of the state's smaller insurers are too financially weak to conform to federal guidelines, a recent study found.

https://www.propertycasualty360.com/2024/03/21/j-d-power-homeowners-property-claim-satisfaction-at-7-year-low/?slreturn=20240221150849

J.D. Power: Homeowners property claim satisfaction at 7-year low | PropertyCasualty360 Insureds who use digital tools for claims reporting see faster claim times overall, but J.D. Power found that this hasn’t helped overall satisfaction among those customers.

https://lauraloomer.substack.com/p/lobbygate-ron-desantiss-state-insurance

LOBBYGATE: Ron DeSantis’s State Insurance Chief Failed to Declare Interest, As Millions of Floridians Face Rising Premiums And Loss of Insurance Florida's insurance industry has been plagued with corruption, negligence, retribution, and fraud under Governor DeSantis and his cabinet.

https://winknews.com/2024/03/13/homeowner-sues-insurer-known-for-suing-its-own-policyholders/

Homeowner sues insurer known for suing its own policyholders One insurance company stands out for suing its own customers but one of its policyholders turned the tables.

https://www.insurancejournal.com/news/southeast/2024/03/04/763151.htm

Florida OIR Approves Another 54,000 Citizens Takeouts. More Coming if Bills Pass Florida's Insurance Commissioner last week approved another round of takeouts from the state-created Citizens Property Insurance Corp., with an assumption

https://www.abcactionnews.com/news/region-pinellas/new-roof-or-roof-coating-insurance-companies-enact-new-restrictions-on-roof-coverings

New roof or roof coating? Insurance companies enact new restrictions on roof coverings One condo association said their route of getting a silicone coating instead of a new roof has them at risk of being dropped by their insurance company.

“I haven’t seen any other attempt to address this issue,” Roach said. “The Republican party is tone deaf if you don’t address issue.”

“Private insurers would make a fortune,” he said.

Roach said he is concerned that under the current insurance climate, “fly-by-night” companies are collecting premiums and “paying extreme amounts to executives” but are under-capitalized and then go belly-up when a hurricane hits, unable to pay out claims. Some of those involved in such companies, reappear after the hurricane under different business names, he said.

“It’s criminal,” Roach said. “It’s a Ponzi scheme.”

Roach proposes state takeover of wind coverage State Rep. Spencer Roach, R-76, has taken a stab at Florida’s property insurance crisis by proposing a bill that would expand the state’s Citizens Property Insurance to provide wind insurance coverage for all homeowners, while taking it out of the flood insurance business. While his bill had a h...

https://news.yahoo.com/home-insurance-bills-owners-coverage-121642642.html

As Home Insurance Bills Go Up, Owners’ Coverage Is Going Down Robert Shiver’s bill for his homeowner insurance jumped from $3,800 in 2022 to $8,000 in July. “I remember opening the bill and, honestly, laughing, like, ‘This is not feasible,’” he said. Shiver, 40, who lives about 20 miles east of Tampa, Florida, did not pay the bill. Instead, he worked...

https://floridapolitics.com/archives/654482-bill-mandating-coverage-after-flood-damage-clears-senate-panel-despite-insurer-opposition/

Bill mandating coverage after flood damage clears Senate panel despite insurer opposition 'If you’ve gone to any public meetings lately in your district you know the big topic is insurance and people are at a critical point of not being able to afford insurance.'

No opening. Probably not covered

Tornado damage in Panama City Beach, Florida

Legislature’s report on Florida insurance lawsuits is mixed Long-awaited study finds signs of potential fraud in South Florida, but also indications of bad practices by insurers.

https://www.washingtonpost.com/climate-environment/2023/12/30/florida-insurance-citizens-slide/

How ‘cherry-picking’ policies let one insurer win big in Florida’s insurance crisis While Florida’s insurance system has been working for some top executives, it has been crippling for many residents and disaster victims.

https://www.insurancejournal.com/news/southeast/2023/12/19/752455.htm

Florida Judge Slams Universal for 'Stonewalling,' Demands Answers From Company Universal Property & Casualty Insurance Co. officials are discounting the significance of recent Florida judges' rulings that have slammed the company

https://www.wesh.com/article/florida-storm-insurance-fraud-case-closes/46109208

Yearlong case of alleged hurricane insurance fraud, underpaid claims still levies no penalties WESH 2 Investigates has learned that one of the cases involving allegations of insurance company fraud, which may have led to underpayment of claims to homeowners following major storms, has been closed.