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Category Archives: Property Damage Insurance

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Making An Insurance Claim: Understanding The First Steps

By Velasquez & Associates |

So you have a homeowners insurance claim. Hopefully, the damage isn’t too bad, but the fact remains, you have no idea what to do, because you’ve never made a homeowners insurance claim before. What are the first steps you should take? Notice to the Insurance Company The first step is the most obvious one—notifying… Read More »

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Pool8

Does Homeowners Insurance Cover Pools?

By Velasquez & Associates |

When we think of damage to our homes, we think of the actual structure—roof, walls, floors and everything inside. But what about your pool? Yes, the pool is “outside,” but it’s also a part of your property. The same dangers that can damage your home, often can damage your pool. Is your pool covered… Read More »

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InsuranceDamageClaim

Can You Record An Adjuster Doing An Appraisal Of Damage?

By Velasquez & Associates |

Let’s say that you have a homeowners insurance claim. You call the insurance company, and they say that they are sending over an adjuster to evaluate the damage, and perhaps ask you a few questions. But here’s the problem: Later, after the adjuster leaves, will there be a record of what the adjuster saw?… Read More »

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InsurancePolicy

Things You Thought Your Homeowner’s Insurance Covers…But It Probably Doesn’t

By Velasquez & Associates |

We often talk about what a homeowner insurance policy will cover or what it’s supposed to cover. But what won’t it cover? There are a lot of things that most policies will exclude, and they aren’t always bizarre or unexpected things that you would think would be excluded. Jewelry Jewelry is small, and can… Read More »

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Homeowners Insurance Claims And Rates After A Bankruptcy

By Velasquez & Associates |

Two things in life that people try to avoid: Having property damage so severe that they require an insurance claim, and filing for bankruptcy. But sometimes they both happen. How will a bankruptcy affect your property damage claim? Disclosing a Homeowners Insurance Claim In bankruptcy, your property damage claim is an asset that could… Read More »

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Lit2

What If Your Homeowner’s Insurance Company Goes Under?

By Velasquez & Associates |

You may not love your homeowners insurance company, but at least it’s insurance, and it will be there—hopefully–to pay you if you have a covered loss (or at least, it will pay when you sue and a court orders them to pay). For all the complaining about insurance companies, one of the worst things… Read More »

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LegalLawsuit

Not So Quick On Those Insurance Bad Faith Claims….

By Velasquez & Associates |

Suing an insurance company for bad faith requires showing that the insurance company did not act fairly towards its insured. An insurance company can make a wrong decision, or a bad decision, or have a difference of opinion with an insured. But when an insurer fails to adjust a claim in good faith, and… Read More »

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Litigation6

Insurance Company Denies Coverage Because Of A Difference In Claim Value

By Velasquez & Associates |

When an insurance company evaluates a claim, two kinds of problems can happen for the homeowner. The first problem is that the claim is wrongfully denied. This means that the insurance company says there is no coverage, when in fact the policy says that there should be coverage. The second problem is when the… Read More »

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Legal10

What Is The Valued Policy Law?

By Velasquez & Associates |

When we discuss losses and property damage, we often talk about damage to a part of the structure. Perhaps a flood, wind damage, or fire damages a part of your home or business. But in catastrophic cases, the entire structure can be declared a total loss. When it is, that’s what Florida’s valued policy… Read More »

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PropInsurance2

What Are Those Lettered Coverages In Your Insurance Policy?

By Velasquez & Associates |

If you read this blog, you know that there is one popular refrain: Read your homeowners insurance policy, and ask questions about it, as every policy can be slightly different. But there are at least some things that tend to be somewhat uniform in the world of insurance policies. One such commonality are all… Read More »

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