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Showing posts from July, 2025

A clear look at the storm damage insurance claim process

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Destruction can occur without warning, and storms can cause everything from shattering windows and caving roofs to intrusion of water and weakening of structure. Filing a storm damage insurance claim in Florida  is often a top priority for property owners, but the process involves more than just taking a few photos.   Insurers frequently demand a hefty load of documentation, a clear showing of the event and that the damage wasn’t related to pre-existing issues or failure to care for a property. Even someone making a valid claim may find this confusing, particularly when policies have exclusions or require particular reasons for every single line. Knowing what your policy covers before disaster strikes is essential when you’re preparing for the storm damage insurance claim process in Florida.   Timely action is another critical factor in the storm damage insurance claims process. The vast majority of policies have very narrow reporting windows, and failing to do so promptl...

After the eye passes: What insurance won’t do

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The destruction wrought by a hurricane does not necessarily end with flood waters retreating, often marking just the beginning of a slow and vexing recovery from the storm’s effects. Death and taxes aren’t the only certainties in life, not by a long shot, at least if you’re a resident of Florida who’s filed a claim for hurricane damage and attempted to recover a percentage of your loss following the terms and coverage limits of your insurance policy. Although insurance is supposed to provide protection, the fact is that many homeowners encounter unexpected road bumps in their quest to tap the support they have already paid for. One of the most confusing aspects of a hurricane claim in Florida  is the deductible format. While typical insurance claims come with fixed deductibles, hurricane deductibles are computed as a percentage of the insured value of a home, usually falling between 1% and 5%. That means even moderate damage may not trigger the threshold for reimbursement, leaving ...