Our website archive records David Dwyer’s participation in a 2018 WESH 2 Orlando hurricane-preparation report with Michelle Imperato. This page preserves the reference and separates historical reporting from current claim guidance.
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.
Florida Homeowner Claims Bill of Rights: What It Means for Your Claim
Florida’s Homeowner Claims Bill of Rights explains important claim-handling protections. Use it with your policy and claim records, especially when a response, estimate or payment is delayed.
Asbestos in a Florida Home: Safety and Claim Documentation
If a damaged ceiling, floor or other building material may contain asbestos, pause work that could disturb it and obtain qualified advice. A property claim and an asbestos assessment involve different professionals.
Florida’s 25% Roof Rule: Repairs, Replacement and Insurance Claims
A roof estimate should explain what was damaged, what can be repaired and which code provisions apply. A percentage alone does not decide what your insurance company owes. Florida changed its roof rule in May 2022, but did …
How Property Insurance Deductibles Work in Florida
A deductible is the portion of a covered loss you bear under your policy. The amount can be a fixed dollar figure or a percentage tied to an insured value—not necessarily a percentage of your claim.
Can Your Public Adjuster Also Be Your Contractor?
Florida restricts public adjusters from taking part in the repair or restoration work on the same damaged property they are adjusting. A separate construction license does not remove that conflict.
What Is an Attorney-Fee Multiplier in Florida?
A contingency agreement describes how a client compensates an attorney. A court-awarded fee multiplier concerns the calculation of an attorney-fee award when the law permits one. Neither should be assumed from the size of a property claim.
Florida Attorney-Fee Multipliers: A 2018 Decision and Later Law Changes
An older article on this page described a fee-multiplier ruling as a broad new advantage for Florida policyholders. The ruling is part of the historical record; it is not a reliable promise of attorney-fee recovery on a current …
People’s Trust v. Tracey: Appraisal After Partial Coverage
An insurer’s letter may accept some damage while disputing other damage from the same event. That does not automatically answer whether the dispute belongs in appraisal or in court.
Are Any Florida Cities Safe From Hurricanes?
A “safest city” list cannot establish the risk at a particular home. Coastal and inland properties face different hazards, and the next storm may affect areas that avoided previous losses.