Blog Category - Property Insurance

Jul

Homeowner comparing a contractor's repair estimate with insurance claim paperwork after property damage.

Why Florida Homeowners Aren’t Seeing Savings Despite Fewer Insurance Lawsuits

For years, Florida lawmakers said changing the state’s insurance laws would help lower home insurance costs. One of the biggest goals of the new laws was to reduce lawsuits between homeowners and insurance companies. Today, the number of lawsuits has dropped. However, many Florid...

Jul

Get the Facts on American Family Insurance Home Insurance Claims

Your home is more than a building. It is where your family lives, sleeps, and keeps important belongings. When a storm, fire, water leak, or another event damages your home, you may depend on your insurance company to help pay for repairs. American Family Insurance offers homeown...

Jul

Aerial view of homes and debris after severe hurricane or storm damage.

Don’t Settle for Less: ACV vs. Replacement Cost Roof Coverage

When a storm damages your roof, you may think your insurance company will pay to replace it. But in 2026, some homeowners may be surprised to learn that their policy may not cover the full cost of a new roof. A new federal update now allows Fannie Mae and Freddie Mac to accept ce...

Jul

Florida Property Insurance Rates on the Decline

For years, many Florida homeowners have watched their property insurance bills climb higher and higher. Between hurricanes, rising repair costs, and changes in the insurance market, many families have struggled to keep up with expensive premiums. Now, there is some good news. Som...

Jul

Large hailstones covering the ground after a severe thunderstorm in Texas or Colorado.

Texas and Colorado Property Owners: How to Respond to Severe Hail Storms

Severe weather is once again affecting many parts of the United States. This June, powerful storms are bringing large hail, heavy rain, damaging winds, and possible flooding to states like Texas and Colorado. Weather experts say these storms can damage homes, businesses, and vehi...

Jul

Large tornado moving across an open landscape during a severe weather outbreak with damaging winds and storm conditions.

Chaos in Illinois After Powerful Tornado in 2026

On June 17, 2026, a powerful storm system moved across Illinois, bringing severe thunderstorms, strong winds, large hail, and several tornadoes. The dangerous weather left a path of destruction across multiple communities and prompted tornado warnings throughout the state. In som...

Jul

Aerial view of a neighborhood with widespread tornado damage, including destroyed buildings and debris.

Texas Tornado Damage: How New Court Ruling Could Impact Your Wallet

(Understanding how a recent decision may affect your homeowners policy and how courts interpret the term windstorm after a tornado outbreak) If a tornado hits your home in Texas, you may end up paying more out of pocket than you expected. That's because of a recent decision...

Jul

Construction site in Texas with excavator and heavy equipment during early-stage building project

Everything Property Owners Need to Know About Builder’s Risk Insurance in Texas

From hailstorms in Dallas to hurricanes along the Gulf Coast, construction projects in Texas face serious risks. Texas consistently experiences some of the highest levels of weather-related property damage in the country, with billions of dollars lost each year due to storms, win...

Jul

Exterior view of the Florida State Capitol building under a blue sky.

Florida’s HB 459: Why the Proposed Changes to Property Insurance Claims Failed and What Homeowners Need Now

Florida lawmakers regularly consider new ways to handle property insurance disputes, especially after large storm seasons and continuing market volatility. One proposal that drew attention was HB 459, a bill that would have shifted many disputed property insurance claims into an ...

Jul

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...

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