The difference between a sudden water event and repeated leakage can matter, but the exact policy wording and evidence decide the coverage question. Florida’s Hicks decision is not a universal rule guaranteeing payment for the first 13 days …
Florida Property Claim Articles
Practical guidance for Florida homeowners, with a focus on luxury properties and complex losses. Explore our claim resource center, luxury insurer guides or Florida service areas.
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Browse current guidance and clearly labeled historical resources below. Policy terms, dates and loss facts matter; do not delay required notice, reasonable mitigation or emergency assistance while awaiting a review.
A Chubb Water-Damage Claim: A Client’s Experience
Detailed documentation, inspection attendance and consistent communication matter to owners facing a substantial property loss. This historical client account describes working with David Dwyer on a Chubb claim from August 2018 through March 2019.
Tampa Water Damage Claims: Documentation, Restoration and Coverage
Ask the appropriate contractor to document the source and repair performed. Save safe photographs, moisture records, equipment logs, invoices and the insurer’s communications. For a property with custom cabinetry or specialty flooring, keep specifications and prior photographs that …
What Does WRT Certification Mean?
WRT stands for Water Damage Restoration Technician, an IICRC certification related to understanding water losses and restoration. Verify the credential and ask who will supervise the project.
How to Tell if a Toilet Wax Seal Is Leaking
A failed wax seal is one possible cause of bathroom water damage. A qualified plumbing inspection can identify the source; a documented claim should also address any supported damage beyond the toilet.
How to Report a Hurricane Insurance Claim in Florida
After hurricane damage, protect people first, document what you safely can and notify the appropriate insurer promptly. A free conversation with our team can help you prepare, but do not delay emergency assistance, reasonable mitigation or required notice …
Florida Claim Handling and Section 626.9541
A claim disagreement is easier to evaluate when the written record shows what was reported, requested, inspected and decided.
Florida’s 25% Roof Rule: Questions to Ask About a Repair Estimate
If an insurer proposes a partial roof repair, ask for a written explanation of the scope before assuming that the estimate is complete. A reasonable review considers the damage, construction requirements and policy together.
Recording an Insurance Inspection in Florida
A recording may help document an inspection, but owning the property does not answer every recording-law question. Discuss the proposed recording openly and resolve consent or legal concerns before the visit.
What Is a Roof Brittle Test? Understanding Shingle Repairability
“Brittle test” is a term sometimes used for an assessment of whether existing asphalt shingles can tolerate the handling needed for a proposed repair. It is not, by itself, a coverage decision or a guarantee that an insurer …