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  • 5 Holiday Property Damage Risks: How to Protect Your Home During Thanksgiving & Beyond

    5 Holiday Property Damage Risks: How to Protect Your Home During Thanksgiving & Beyond

    The holiday season in Florida is filled with family gatherings, big meals, cooler weather, and festive decorations—but it’s also one of the most common times of year for house fires, water damage, electrical issues, and storm-related losses. Whether you’re celebrating Thanksgiving, Christmas, Hanukkah, or New Year’s, it’s important to stay aware of the property risks…

  • Florida Fines Eight Insurers $2.075 Million for Hurricane Misconduct

    Florida Fines Eight Insurers $2.075 Million for Hurricane Misconduct

    Florida Insurance Commissioner Mike Yaworsky announced $2.075 million in fines against eight insurance companies for mishandling property damage claims after Hurricane Ian (September 2022) and Hurricane Idalia (August 2023). Yaworsky said the companies used improperly appointed adjusters, failed to acknowledge or respond promptly to claims, did not provide homeowners with required claims bill of rights,…

  • The Value of a Good Public Adjuster and 3 Reasons Why You Need One on Your Next Insurance Claim

    The Value of a Good Public Adjuster and 3 Reasons Why You Need One on Your Next Insurance Claim

    Hiring a public adjuster has several IMPORTANT advantages: First and foremost, they work for you and not the insurance company. Today most insurance company adjusters are under tremendous pressure to pay less in benefits. In a perfect world, all insurance adjusters assess claims accurately, cover losses in full, and ensure that policyholders get the entire…

  • The Insurance Shell Game No One Talks About

    The Insurance Shell Game No One Talks About

    The post discusses the hidden practices in property insurance claims, where insurance companies rely on confidential internal guidelines instead of the policies purchased by consumers. This lack of transparency leads to potential unfair treatment of policyholders during claims. It advocates for policyholder access to these documents to ensure accountability and fairness in the claims process.

  • Case Study: Mold, Misdiagnosis, and a Denied Claim — A Closer Look at Insurance Gaps and Vulnerable Homeowners

    Case Study: Mold, Misdiagnosis, and a Denied Claim — A Closer Look at Insurance Gaps and Vulnerable Homeowners

    In this case study, we examine how an insurance claim denial following water damage and mold discovery raised serious concerns—not only about the accuracy of the insurer’s assessment but also about health risks to an immunocompromised resident and possible contractor misconduct. Background A homeowner in Palm City, Florida, filed a property insurance claim after discovering…

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