If a dog bites somebody, how do you get coverage under your insurance policy? Before you buy a dog, it’s a good idea to make sure your insurance agent is aware that you have a dog in your home. You should also disclose the breed to...
We are in the middle of hurricane season, with the 5th insurance company going insolvent this year. Western insurance has been put in receivership, dropping 22,000 policies. In addition, this year, Southern Fidelity went insolvent June 2022, Lighthouse Property & Casualty Insurance Corp April 2022,...
Over the past couple of years we have seen an increase in water damage claims especially in South Florida. This has caused many insurance carriers to pull out the area or provide less coverage, but instead of reducing premium, they have increased premium. In most...
Over the past several years, I have seen a rise of people calling first a public adjuster and not the insurance carrier. When I ask them, I get several answers that in my opinion are incorrect responses that effect the out come; I saw the...
COVID-19 - Business interruption - March 2020 I have been getting lots of calls and emails asking me if there is coverage for business interruption on your insurance policy due to the Corona Virus. This is not a new situation, similar situations in the near past were...
So you decided to sign up to make some money on the side and be an Uber or Lyft driver, (or other for-hire service) called transportation network companies (TNC) You read your contract and think that you have coverage. Did you know that you need to notify your...
June 1st marks the beginning of hurricane season and it is a good time to get prepared if you haven't done so already. Here is a link to helpful info and guides to help you get ready. In addition to reviewing your insurance policy, and making sure...
I had a client in my office today asking me how much of an Umbrella policy do I need to buy? The answer is very simple - What do you need to protect? If you would be sued how much can someone take away? So what is...
Let’s be honest, most of us do not read the fine print on our insurance policy. I would like to share some common homeowners sub-limits that appear on most homeowner’s policies that you may or may not be aware of. At a glance when you look...
Auto insurance standards are different from state to state. Florida is one of the only remaining no-fault states left in the US. What this means that as long as you are not in an accident you do not need to have bodily injury liability insurance....