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Let’s count the ways to getting a roof estimate

When filing a roof insurance claim, lawyer or not, you will need to get a quote to replace or repair your roof.  If you do decide to go with an insurance claim lawyer, the quote will be important in providing your insurance company with documentation of an estimated loss. You should explore getting an independent...
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Living expenses are reimbursable under most policy provisions.

Are living expenses reimbursable?

If a windstorm, hurricane or other perils have damaged your home to the point you cannot live there, you may be entitled to reimbursement for expenses incurred while your insurance claim is being investigated.  It’s important to review your insurance policy to learn about the different provisions and entitlements. Nearly all policies allow what is...
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Challenges facing our beautiful South Florida homes

We live in a sub-tropical paradise throughout a good deal of the year. But that paradise can take its toll on your home. The age of your home, combined with seasonal weather threats and humidity, all pose dangers that over time may lead to major problems. Fortunately, an experienced insurance claim lawyer can help you...
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Can an insurance company investigate your social media profiles?

Social Media and Insurance Claims Can an insurance company can deny your claim based on what you post to your social media accounts? The answer: Yes. Insurance Companies can and will investigate social media profiles.  Insurance companies will often check your social media if you have a contested insurance claim. Posts that you think are innocent or...
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Late Notice Insurance Claim Denials in Florida

Whenever you have any insurance claim, whether it is for your home or automobile, the insurance company requires that you notify them of the accident. Notification is an important part of the insurance claim process. This notice allows the insurance company to start their investigation of the accident and if done promptly, you can avoid a Late...
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What do I do if a hurricane damages my property?

As Hurricane Matthew threatens Florida’s east coast, your priority is ensuring that you and your loved ones have enough first aid supplies, batteries, flashlights, non-perishable food and water. Likewise, you should strongly consider seeking appropriate shelter if you and your loved ones live in low-lying or coastal areas.
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What is the difference between first party and third party insurance claims?

In most insurance claims, there are three parties involved. The first party is you, the insured. The second party is the insurance company. The third party is anyone else participating in the claim. The third party could have suffered from property damage or has a personal injury because of something that the insured did or...
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The insurance company’s obligation to act fairly and quickly

Insurance companies have an obligation to act fairly and quickly to resolve policyholders’ insurance claims. This is commonly referred to as the duty of good faith and fair dealing.  You need the funds to replace or repair your property and your insurance company may be the only one that can help. It would be easy...
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Homeowner’s insurance policies: Understanding appraisal provisions

What is the Appraisal Clause? Chances are your homeowner’s insurance policy contains an appraisal provision. Understanding appraisal provision in an insurance policy  is straightforward. However, navigating through the appraisal process without the help of an insurance claim lawyer or public adjuster is risky. Property damage disputes frequently involve an appraisal of the damaged property. Generally...
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