Florida Property Claim Articles

No. Check both the company’s claimed credentials and the qualifications of the people responsible for your work. A firm’s industry certification does not itself establish that each worker holds the same credential or that the firm may perform …

Ask for the technician’s name, current credentials, relevant experience and the person supervising your job. IICRC WRT certification concerns water damage restoration knowledge. It does not replace a Florida license required for another profession.

Florida provides important protections, but a blanket promise that an insurer can never cancel or nonrenew after a claim would be misleading. Review the reason, timing, policy and condition of the property.

Not necessarily—but do not assume a check is unrestricted. The check, payment letter, any release and the circumstances of the payment need to be reviewed together. An undisputed partial payment can be different from a payment offered to …

A contractor can explain the proposed repairs and the cost of the work. Representing you in an insurance settlement involves a different role, with separate licensing and conflict-of-interest rules.

A denial deserves a clear explanation. Start with the insurer’s written reason, the applicable policy and the evidence—not an assumption that every denial is correct or can be reversed.

An initial insurance payment may not be the final amount available under a replacement-cost policy. Start with the actual settlement provisions and the insurer’s itemized estimate.

Irma affected Florida in September 2017. An old article saying you still have time to file a new Irma claim is not reliable guidance today. Existing disputes require review of the actual policy, notices, payments and legal history.