by Felipe Calderon | Feb 16, 2018 | Homeowners Insurance, Restoration Professionals
No building can stand without a structurally sound foundation. But unfortunately, when foundational issues arise, they are often difficult to diagnose and expense to repair. Such challenges underscore why homeowners need insurance and also why they need to...
by Felipe Calderon | Jan 26, 2018 | Flood Damage, Homeowners Insurance, Insurance Dispute
Even though the future of the National Flood Insurance Program is uncertain, the federal government is encouraging property owners to obtain flood insurance. Standard homeowners insurance policies don’t cover flood damage. According to the Florida Office of Insurance...
by Felipe Calderon | Nov 30, 2017 | Homeowners Insurance
What is covered in my policy? Hurricane damage can be overwhelming from a homeowner’s policy perspective. Damage from debris (such as a fallen tree) or wind (such as rain blown through a broken window or roof) is generally covered. Damage from rising waters and street...
by Felipe Calderon | Nov 21, 2017 | Homeowners Insurance
If you have a residential home insurance policy or commercial premises insurance policy, there is an important statute that comes into play if you file a claim. It is Florida Statute § 627.702, also known as “Valued Policy Law.” This law establishes that an insurer...
by Felipe Calderon | Sep 27, 2017 | Homeowners Insurance
After you file a property damage claim, you might receive a proof of loss request from your insurance company. A proof of loss is a statement made under oath that provides relevant information about the insured’s claimed property damage. This is not something you can...