As Hurricane Dorian edges the coast of Florida, the potential for damage to property lessens by the day. However, winds from outer bands of the storm coupled with strong downpours of rain has the potential to create property damage. Many homeowners policies now include language in their provisions that limit the coverage for damage caused by rain unless an opening is created by a "covered peril." What that means, Read More
Be Prepared – Before and After a Hurricane
As Hurricane Dorian approaches Florida, it is critical that property owners and business owners prepare for possible damage caused by the storm and the inevitable claim with their insurance company. Before the storm Take photographs or video of the entire property to show the pre-loss condition. These photos become critical in showing the insurance company what was actually damaged after a storm. Keep a copy Read More
Timing is key with prompt notice
As we get ready for Hurricane season, many homeowners buy supplies in order to prepare for a loss, but how soon should you alert your insurance provider if a loss does occur? In Florida, Insureds must provide prompt notice to their insurance carriers. It is well settled, however, that “prompt” and other comparable phrases, like “immediate” and “as soon as practicable,” do not require Read More
Tips for first time buyers
Buying a home could be the biggest purchase of one's life, and arguably the most nerve-wrecking. The good news is you're not alone. For many Floridians who wish to make a purchase for the first time, they feel the same. In light of that, we gathered a few tips in order to help with the experience of not only buying a house, but also buying a home. Set a budget Before looking for a home, a budget has to be set. Read More