A disagreement about the cost of repairs and a disagreement about whether the policy covers a loss can require different responses. Read the insurer’s actual decision and the full appraisal provision before deciding what to do next.
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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An article can explain the process. A conversation lets us understand your property, the damage and where your claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to call.
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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.
2020 Public-Adjuster Legislative Debate: Where to Find Current Rules
Historical topic: the 2020 legislative session. This article originally discussed proposed changes to public-adjuster contracts. Proposals and advocacy statements from that session are not a reliable statement of today’s cancellation rights, fees or professional duties.
Kennedy v. First Protective: Mediation Notice and Appraisal
This 2019 decision concerned an insurer’s appraisal demand and the mediation notice required under the law applied to that claim. It is useful background, not a prediction of how a different dispute will be decided.
Florida Mediation Notice and Appraisal Rights
An insurer’s appraisal demand should be evaluated alongside the policy, the claim history and the applicable mediation requirements. A copied excerpt from an older statute is not enough to decide whether a current demand is enforceable.
Insurance Settlement Proposals: Why Attorney Review Matters
A settlement proposal made during a lawsuit can have consequences beyond the amount offered. Do not assume that every offer discussed in mediation is a formal statutory proposal, or that rejecting an offer has no possible fee consequences.
Recorded Statements in Florida Property Claims
Your claim conversation should accurately reflect what you know. We can help organize the property-loss record and, when engaged, participate with you in the initial claim-reporting call.
Hicks v. American Integrity: Water-Leak Coverage and Its Limits
A long-term leakage denial deserves a careful reading of the actual policy and evidence. Hicks v. American Integrity Insurance Company of Florida, 241 So. 3d 925 (Fla. 5th DCA 2018), is a historical decision about specific exclusion wording—not …