Cracks or ground movement need a careful investigation. We help property owners organize the policy, professional findings and repair estimates behind a sinkhole-related claim.
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.
Tornado Damage Insurance Claims in Florida
After a tornado, the first priorities are safety, prompt reporting and a documented repair plan. EPA helps homeowners, associations and businesses present supported property claims.
Builders Risk and Construction Delay Claims in Florida
A fire, leak, theft or storm during construction can affect both the work already completed and the project schedule. Start by identifying the insured property, responsible parties and actual coverage before combining every cost into one claim.
What Is Stachybotrys, Sometimes Called Black Mold?
CDC describes Stachybotrys chartarum as a greenish-black mold associated with persistently moist materials such as paper and gypsum board. Color alone does not identify a mold species or determine its health effects.
Are Water Categories the Same as Mold Categories?
No. The Category 1, 2 and 3 terminology commonly discussed in water restoration concerns water contamination, not three types of mold. This page previously mislabeled those terms as mold categories.
A Pipe Burst: What Should I Document for My Insurance Claim?
Put safety first and arrange qualified help to stop the leak. Avoid electrical hazards, report the loss promptly and document conditions when safe. Do not delay necessary emergency protection while arranging a claim review.
Can a Florida Contractor Handle My Insurance Claim or Take an AOB?
Construction work, insurance-claim representation and an assignment of benefits are different matters. The answer depends on what the contractor proposes to do and which policy and law apply.
Public Adjuster Earnings, Fees and Professional Roles
There is no single reliable annual income figure for every public adjuster. A firm’s gross fees, an employee’s compensation and an owner’s take-home income are different things.
Indoor Humidity, Mold Prevention and Florida Water Damage Claims
Managing moisture helps protect a Florida home’s finishes and indoor environment. A humidity reading is useful, but it cannot tell you by itself whether concealed materials are dry, whether mold is present or whether damage is insured.
What Is an Insurance Liberalization Clause?
A liberalization clause can address certain coverage improvements an insurer adopts without an additional premium. Its effect depends on the actual clause and the change involved; it is not a promise that every new benefit applies to an …