Storm damage

Tropical storm Issac

Tropical storm Issac could make landfall in South Florida in few days as a category 1 hurricane. While it will probably not be a Katrina we are reminded to be prepared. As you are digging up your shutters from under the piles of junk in the garage and stockpiling supplies dont forget to protect yourself in case you […]

Water damage from storms

Most water damage from hurricanes is actually secondary to the wind damage but can be much more devastating. Once the wind creates an opening in your home the water starts coming in and can spread quickly extending the damage to other areas. Added circumstances such as loss of utilities can prevent proper cleanup leading to extensive mold damage and other […]

Hurricane season preparations

We all hear the same thing every year when hurricane season begins; be prepared. If you lived in an area effected by a hurricane you already know to get some basic supplies ready such as food, water and fuel. These preparations are important to provide security to your family and friends (and animals), but what […]

Post 2004-5 home purchasers beware!

If you have purchased your home after the most recent hurricane seasons dating to 2004 & 2005 you may be up for a surprise if we get hit with another major storm damage. Your insurance company may know more about your home then you do and may use that information to reduce or even deny damage […]

Leak detection

sometimes leaks are easy to find, a running toilet or broken pipe, but many times slower leaks are harder to find. On many occasions we find water in locations opposite to where the problem starts, since water has a way of traveling from one end of the house to another undetected under floors and inside […]

Are plumbing repairs ever covered by homeowners insurance?

Your homeowners policy protects your home from unexpected damages but not unexpected repairs. Your policy, for the most part, covers your for “sudden or accidental damage” to your property and expenses related to those events. So when are plumbing repairs covered? plumbing repair will always be covered if it is not the cause of the damage, in […]

IDENTITY THEFT HOW TO PREVENT BECOMING A VICTIM

Identity Theft: is still the fastest growing, white-collar crime in America: • The Federal Trade Commission has some great information and resources on their special website dedicated to identity theft prevention: http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html • Other companies such as the U.S. Postal Service are sending out pamphlets with preventative measure to avoid becoming a victim of identity theft. Examples […]

How to comply with policy conditions to ensure coverage for a loss.

No matter what the damage is there are very specific conditions in your policy that may trigger a coverage question and give insurance companies a way out of paying for your damages. So here are the basic steps you must take to prevent denial on technicalities. Before you clean up before you do a single […]

How to ensure coverage for your water damage

We all hear horror stories of how insurance companies had found a way to deny a claim using  policy language and unfamiliar language, so what is the best way to avoid a denial letter? The most important part is getting to know your policy! ask you agent for a copy of the policy (called a “policy […]

Wind vs Impact Resistance

We often confuse wind resistance with impact resistance and what impact it may have on our homes during a hurricane. The big distinction is wind vs debris. Wind resistance is the building components ability to withstand the pressure of wind blowing against it without being compromised. The pressure is measured similarly to the tire pressure […]

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