30
Aug
Big Changes Coming to Building Damage Evaluations in Florida
A new rule proposed in Florida could change how engineers evaluate building damage after storms, fires, and other disasters. The rule is being considered by the Florida Board of Professional Engineers (FBPE). It is called Rule Chapter 61G15-38, and it focuses on how engineers ass...
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Aug
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 ...
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Aug
Exploring the Hidden Causes of High Colorado Home Insurance Rates
(And What You Can Do If Your Claim Is Denied) Imagine this. One week, a Colorado homeowner gets hit by a hailstorm. The roof looks fine from the street, but small cracks are everywhere. A month later, wildfire smoke fills the air and the home smells like a campfire. Then, a bear ...
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Aug
What to Do After Winter Storm 2026 Hits Your Property
This guide is written in simple steps you can follow right after a storm, especially if you're dealing with: Frozen pipes (and water pouring into your home) Roof leaks or roof collapse risk from heavy snow/ice Power-outage damage (spoiled food, frozen homes, unsafe heaters...
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Aug
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. &...
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Aug
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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Aug
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...
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Aug
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...
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Aug
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...
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Aug
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...
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