The short version: your mortgage company is on the check because it still owns a financial stake in the building. That part is normal. What surprises most people is that not every payment needs the lender's signature, and Florida law says so. Written by Edgar...

Before you sign: anyone can promise you a big check. Florida law gives you better tools than promises. Check the license, learn the warning signs the law itself spells out, and ask a few direct questions. This guide covers all three. This guide was written by Edgar...

The bottom line: Florida has no appeal form for a denied insurance claim. But you can still fight it. You have the right to answer the denial with proof and ask for a new decision. The law makes the insurance company explain its decision in writing. And Florida...

Quick answer: you are on the website of Monarch Claims Consultants, a public adjusting firm in Miami. We are not Monarch National Insurance Company, and we have no connection to them. If you were trying to reach Monarch National, their number is 1-800-293-2532 and...

Quick answer: a public adjuster is licensed by the State of Florida to handle an insurance claim for you, the policyholder. You pay nothing up front. The fee is a percentage of what your claim pays, and Florida law puts a limit on that percentage. If your claim pays...

Short answer: the first check is an opening number, not a final one. If the insurance payment doesn’t cover the repairs, Florida gives you a path to claim the difference — it’s called a supplemental claim, and you generally have 18 months from the...

Short answer: a denial is the insurance company's opinion, not the final word. In Florida you have the right to challenge it, and many denied claims I've reviewed had at least one path forward. But the clock is running, so read this now, not next month. I'm Edgar...