Blog Category - Property Insurance Page 3

Sep

Contractor speaking to homeowner at the front door in a neighborhood

The Dos and Don'ts of Home Improvement Financing for Homeowners

Fixing your home can feel exciting. Maybe you need a new roof, a new AC system, or better windows. These upgrades can make your home safer and more comfortable. But home projects can cost a lot of money. That’s why many contractors offer financing. They may say things like: “No...

Sep

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...

Sep

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...

Sep

Construction workers discussing a project on site

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...

Sep

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 ...

Sep

Aerial view of downtown Denver with mountains in the background

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 ...

Sep

Snow-covered pine branches in a winter landscape

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...

Sep

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. ” Basically, it helps protect t...

Sep

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...

Sep

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...

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