Blog Posts in May, 2017

  • Why Should I Hired A Public Adjuster?

    A public adjuster is an expert that has either worked for an insurance company or has apprenticed with a licensed public adjuster. A public adjuster is an insurance claims specialist who will dig through your policy, asses the damages to your property, draft and estimate using insurance standards for the costs of repair and will negotiate with the insurance company to resolve the claim for the ...
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  • Before You Report A Property Insurance Claim Read This...

    Property owners usually associate the filing of an insurance claim with hurricane or tropical storm related damage. However, many policyholders are unaware that you do not need to go through a major storm to sustain significant damage to your home/business. Every day, insureds across the state sustain damage from plumbing failures, faulty dishwashers, fires, vandalism and other sudden and ...
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  • Divorce: Was it the Right Decision?

    As someone who speaks to people daily that are contemplating divorce, I found myself very curious about whether studies have been done about whether people who have chosen to divorce are happy with the decision or not. Afterall, people usually question themselves for months or years before reaching a decision about divorce. So, once the decision has been made to divorce, do most people end up ...
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  • Roof Damage and the 25% Roof Replacement Rule

    Every year thousands of roofs in Florida sustain substantial damage from wind, hail, lightning or other debris. Many policyholders do not inspect their roof and are unaware of damage until a leak is evident. Whether you own a business or a home, it is imperative that you hire a professional to inspect your roof regularly and after a storm. If you have discovered damage to your roof following a ...
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  • Understanding Your Insurance Policy

    Day after day, I receive questions from clients regarding their insurance policy and what does it cover. In Florida, insurers write two types policies: named peril policy and an all risky policy (a/k/a comprehensive policy). Each policy is different and to determine which is better, varies on a claim by claim basis. You make be asking which policy is better? In a nutshell, here is how they differ: ...
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  • I Have Not Heard From My Insurance Company...What Do I Do?

    In Florida, Fla. Stat. ยง 627.7013(5)(a) states that a policyholder should receive a coverage decision (i.e. payment or a denial) within 90 days after the insurance company receives notice, unless there are factors that exist beyond the control of the insurance company for not making a decision. Policyholders should mark 91 days on their calendar from the date they reported their claim. Almost ...
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