by Edgar Velazquez | Sep 8, 2026 | Claims Guides
Quick version: most Florida homeowner policies pay for water damage that is sudden and accidental, such as a pipe that bursts. They usually do not pay for damage from a leak that went on for weeks or months. What you do right after you find the water damage matters...
by Edgar Velazquez | Sep 3, 2026 | Claims Guides
The deadlines at a glance: Florida law gives you 1 year from the date of loss to report a new property claim. A supplemental claim gets 18 months. A lawsuit over the claim has its own separate limit of 5 years. If you miss the first deadline, the claim can be barred....
by Edgar Velazquez | Aug 27, 2026 | Claims Guides
The quick answer: a public adjuster handles the entire property claim, from the first inspection to the final payment. A lawyer becomes necessary when a lawsuit becomes necessary. If the fight is about money, scope, or coverage, that is adjusting work, and it comes...
by Edgar Velazquez | Aug 18, 2026 | Claims Guides
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...
by Edgar Velazquez | Aug 11, 2026 | Claims Guides
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...
by Edgar Velazquez | Aug 4, 2026 | Claims Guides
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...
