How to Protect Your Home from Summer Storms
Summer storms can develop quickly over South Florida. They can contain strong winds, heavy rain and even hail, depending on conditions. There’s no way to tell if a simple summer rain will build into a severe summer storm. However, there are some precautions that individuals can take to protect their home from damage if a […]
Should a Homeowner Buy Flood Insurance?
For much of South Florida, flood insurance is a necessity due to hurricanes and storms that can drop copious amounts of rain. Even those that don’t live in a declared flood zone would do well to protect their home with flood insurance. Without the coverage, homeowners and renters will be responsible for paying for repairs, […]
Hurricane Season and Flood Zones
Hurricane season begins June 1 and lasts until Nov. 30, but that doesn’t mean Florida residents can’t experience an early- or late-season hurricane. Those that live in a flood zone are at the highest risk for damage to their home or business. It’s imperative that individuals know if they live in a flood zone, allowing […]
Do Public Adjusters Really Work for Me and Not the Insurance Compa
The answer is yes and they do so in a variety of ways. If you have a large or complex claim, it’s a good idea to hire a licensed public adjuster when you file a claim. A public adjuster is the home or business owner’s advocate. That’s in stark contrast to an insurance company adjuster, […]
Navigating a Mold Claim
A mold claim to the insurance company can be extremely frustrating. The first step on the road to clean-up is establishing that mold coverage is included in the insurance policy, whether it’s a home or business. The second step is understanding the legalese of when the insurance company will cover damage and under what circumstances. […]
5 Tips When Filing a Mold Claim
Mold isn’t just unsightly, it’s unhealthy and exposure can lead to a variety of medical conditions. Mold is insidious, often growing behind walls, under floors and in attics for a significant amount of time before it’s detected. Homes in humid climates and situated along the ocean or bodies of water are at additional risk for […]
Why Flood Damage Can Often be Denied by Insurers
Florida homeowners are in an untenable position. Many insurers don’t offer flood insurance at all, while other insurers have dropped clients and some insurance companies no longer operate in the state. The reason flood damage claims are often denied is to preserve profitability. Insurers would have to pay out more in damages than the premiums […]
Tips for Flood Victims
Hurricanes bring flooding, despair and untold anguish as people try to rebuild and face the many challenges in the wake of the storm. Only 18 percent of residents have flood insurance. The coverage is extremely expensive and many private insurers no longer offer it. Whether individuals are trying to perform cleanup tasks on their own […]
When an Unexpected Flood Causes Substantial Damage
If a large storm or hurricane is approaching the South Florida shore, people expect that there will be storm surges and flooding. However, a seemingly innocuous rainstorm can also result in flooding and cause a great deal of damage of which individuals may be unaware. Any heavy rainstorm or one that drops large amount of […]
There is Always Damage you Cannot See After a Flood
A flooding event is frightening for families and causes considerable damage and loss. What you may not know is that the damage that results from a flood is far more extensive than what you can easily see. There’s always hidden damage after a flood that can affect the entirely of your home. Floors and Foundations […]