At Citizens Property Insurance it’s ok to be bad to their policyholders Citizens Property Insurance Company is immune from Bad Faith liability. What this means for the residents of Florida who have their homeowners insurance policy with Citizens is that there is no true recourse if they do not honor the insurance contract. If they ...
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Water damage coverage removed
POLICY FORMS CHANGING AND COVERAGE SLASHED BY PEOPLE’S TRUST INSURANCE COMPANY How would you feel it you had you a sudden and accidental water damage event occur in your home and find out that your insurance company wouldn’t cover it. Unfortunately, this will be the case for many who have People’s Trust Insurance Company. I ...
Read MoreContrary to popular belief, the Insurance companies are not broke
FILL IN THE BLANK You cannot make this stuff up. Anyone who reads this blog knows how frustrated I get with the insurance industry’s constant complaints that “ is responsible for rising premiums.” The is always something different depending on what year it is—sinkholes, water claims, fraud, trial ...
Read MoreYou need all the forms of your policy and don’t forget to RTFP
A FEW POLICY FORMS ARE NOT SUFFICIENT: YOU NEED EVERY PAGE OF YOUR POLICY The eight or twelve pages of documents you keep in your file labeled “homeowners insurance” is not enough. In order to truly understand the insurance coverage you have purchased, you must have the complete policy. This is a contract between you ...
Read MoreThe Damage Is Done, Now It’s Time To Remodel
It can be very frustrating when it comes to having to remodel your home unexpectedly because of a disaster such as; an old pipe that leaked in the bathroom, a storm with high winds caused a great amount of roof damage and interior damage, or a poor electrical job caused a house fire. You’ve called ...
Read MoreInsurance companies do not want to pay you
Do You Know What is NOT Covered in Your Insurance Policy? You Might be Surprised An important message for insured Floridian’s from the Florida Association of Public Insurance Adjusters. In recent years, insurance carriers in Florida have added many exclusions to property insurance policies, with little oversight or public debate. These exclusions are drafted into ...
Read MoreHas a Contractor, Roofer, Plumber or Restoration Company Offered To Handle Your Insurance Claim?
If they are not licensed public adjusters, they may be committing a crime! Only licensed public insurance adjusters and attorneys are permitted to solicit to represent policy holders in the claim process. Navigating an insurance claim is such a foreign experience for many homeowners and business owners, insureds are often victims who unknowingly trust people ...
Read MoreBurst Pipe claims and what you need to know
Insurance companies are notorious for denying coverage for broken pipes if they are a result of wear and tear. Well, how does one know if their pipes are worn out if there is no indicator of a broken or “Worn out Pipe”… There lies the problem, and the main reason for the verbage in your ...
Read MorePeople’s Trust Insurance Company is Deceiving its People and Losing our Trust
If your are like many of us living in Florida, you have received solicitation letters and postcards from People’s Trust claiming how they can save you money. It seems that you almost need to be a lawyer to finds your way around the fine print to make sense of this mailer and not be deceived ...
Read MoreCitizens Property Insurance Fails its Citizens Again
Citizens property insurance company should devote more time and resources to education, training, and properly and promptly handling property insurance damage claims instead of hiring teams of lawyers “experts”. Citizens wants to avoid paying for covered damages in the homeowners policies by any means necessary. In related news, for three years, citizens has been depopulating. ...
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