Blog Category - Property Insurance

Nov

Brick house with a damaged roof and a fallen tree leaning against the front porch after a storm.

The Real Cost of Neglected Roof Repairs Before Winter

Winter can be brutal on roofs. Small problems today often turn into big, expensive ones once snow, ice, and cold temperatures arrive. At Vargas Gonzalez Delombard, LLP, we help homeowners and business owners handle roof damage, storm damage, and property damage. If you think skip...

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 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

What to Do If Your Homeowner’s Insurance Claim is Denied

In our experience it's typically 30 to 40 days after a major weather event, such as a hurricane, when letters begin filling mailboxes addressed from the homeowners insurance company informing you that your claim has been denied or underpaid. From what we’ve learned fr...

Nov

What You Should Know About HB 7065 As An AOB Vendor

Our goal at Vargas Gonzalez Delombard, LLP is to educate you on the changes that will be made once HB 7065 takes effect. Below you'll find a detailed explanation of what to expect as an AOB vendor through HB 7065. Interested in learning more and talking to our team of part...

Nov

Purchasing an “All –Risk” Policy

Most home buyers don't really understand their homeowner’s policy when purchasing it. Usually, you go to an insurance agent they fill out your application and you sign. However, when you end up having a property insurance claim, it is important to understand what kind...