Blog Category - Insurance

Nov

A modern circular building under construction with scaffolding and cranes against a bright blue sky.

Understanding Builder’s Risk Insurance for Construction Projects in Illinois and Missouri

When you're building a new home, store, or big project, a lot can go wrong. Bad weather, fires, or even theft can happen before the building is done. That’s where Builder’s Risk Insurance comes in. It’s also called “course of construction insurance. &...

Nov

A damaged house with debris scattered outside, “HELP!” painted in large red letters on the roof, and a banner reading “Insurance Delayed, We’re Drained!” hanging over the front porch.

Are Florida Insurance Companies Facing Big Fines?

In 2025, the Florida Office of Insurance Regulation (OIR) announced more than $2 million in fines against eight insurance companies for misconduct. These fines show that state regulators are trying to hold insurers accountable. But they also raise questions about whether the syst...

Nov

Two-story brick house with gray roof, white trim, and front porch surrounded by grass and trees.

Florida Homeowners Still Struggling Despite Insurance Changes

Florida Homeowners Still Struggling Despite Insurance Changes In 2023, the Florida Legislature promised to “fix” the Sunshine State's troubled homeowners insurance market. Governor Ron DeSantis and other leaders said there were too many “frivolous lawsuits...

Nov

Two-story blue house with severe roof damage, missing shingles, and exposed wooden beams after a storm.

What Insurance Does and Doesn’t Cover for Roof Damage

Your roof is one of the most important parts of your home. It keeps you safe from rain, snow, wind, and heat. But when it gets damaged, the big question is: Will my insurance pay for it? The answer isn't always simple. Insurance coverage usually applies when roof damage hap...

Nov

Two-story home severely damaged by a storm, with a large tree fallen on the roof and debris scattered around.

Judge's Ruling Could Mean Big Changes for Citizens Insurance

If you live in Florida and have Citizens Property Insurance Corporation, this update could be important for you. A judge just made a big decision: Citizen Property might be doing something unconstitutional when it comes to handling claims disputes with their policyholders (that&r...

Nov

House with severe roof damage; missing shingles and exposed wood after a storm.

Fighting for Coverage: Dealing with Hail & Wind Roof Damage in NY

In New York, we see all kinds of weather. From strong winds to hailstorms, the weather can really hurt our homes, especially the roof. One of the most common problems after a big storm is roof damage. Shingles blow off, leaks start, and sometimes the whole roof needs to be replac...

Nov

The image shows a bright yellow sign with bold blue text that reads FLOOD PLAN 2024. The sign is attached to a pole, and the background features a natural setting with trees and a body of water, possibly a river or lake, suggesting an area prone to flooding.

Discover how the New Flood Plan of 2024 affects 15 regional areas in Texas

Texas has introduced a new flood plan for 2024 to reduce flood risk and improve flood management practices. The Texas Water Development Board (TWDB) decided that this plan needs to be implemented, and they emphasize a bottom-up, watershed-based approach to reducing floods in Texa...

Nov

The image shows a close-up of a person signing a document. The person's hand is holding a black and gold pen, and they are writing their signature on the designated signature line at the bottom of the paper. The document includes some text, but the details are blurred and illegible.

New Guidelines for Public Adjuster Contracts in Florida

The Florida Legislature has updated the layout of contracts for public adjusters. We've broken down Florida Statute 626. 8796 so that these changes will help you stay current with your contracts. Public Adjusters Contract Requirements: Every contract must say &ldqu...

Nov

Qué hacer después del huracán Dorian

Cuando se trata de la fuerza impredecible y destructiva de un huracán, como el huracán Dorian, incluso los mejores esfuerzos para proteger su hogar o negocio no pueden garantizar la protección contra daños. Para asegurarse de que su reclamo de seguro s...

Nov

Three Must-Do’s After Hurricane Dorian Hits

When it comes to the unpredictable, destructive force of a hurricane, such as Hurricane Dorian, even the best efforts to protect your home or business cannot guarantee protection from damage. To make sure your insurance claim is handled after the storm hits, there are three must...

Nov

Ways Insurance Companies Deny Your Claim

When it comes to legitimate claims being denied, even the biggest and most well-known insurance companies will use blatant misleading tactics and unethical behavior to protect their quarterly profits… profits that range in the billions. It's become common practice f...

Nov

4 Ways Marine Insurance Claims Are Shamefully Denied

In our experience, the complexities of marine insurance can lead to confusion and surprise when a claim is denied. Sadly, it has become common practice for insurance companies to rely on policies being complex and confusing in order to deny legitimate claims. Here are four common r...

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