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Category Archives: Property Damage Insurance

Dryer

Dryer Safety, And Insurance Coverage For Dryer Fires

By Velasquez & Associates |

Nobody likes doing laundry. But laundry can go from miserable to dangerous pretty quickly just using a household item we all use—the dryer. Dryer fires can be serious, and many people don’t even know they are a hazard. Dryer Fires are Common An astounding 92% of all home fires are caused by clothes dryers…. Read More »

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OldRoof

Homeowners Risk Having Policies Canceled Because Of Older Roofs

By Velasquez & Associates |

Usually when we hear about insurance companies dropping policyholders, it’s because of hurricanes, or other weather that is unique to South Florida, and which causes a lot of policy claims to be made. But recently, it was reported that insurance companies may be dropping homeowners from policies, for no other reason than the age… Read More »

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InsurCover

What Is Covered In A Typical Homeowners Insurance Policy?

By Velasquez & Associates |

When you look at a homeowners insurance policy, one of the first questions you may have is “what does my policy cover?” That’s actually a more complex question than you may think, and as you can imagine, the answer wildly varies depending on your insurance company, and the amount of and extent of coverage… Read More »

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ShowerDrain

Shower Pan Leaks Can Cause Serious Damage

By Velasquez & Associates |

The shower and bath area: It’s supposed to be wet, right? So when you see a little mold or a little mildew, your first thought may be that it’s no big deal. You then notice that there is a little more water accumulating round the shower area than there used to be, but you… Read More »

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InsDisp

Supreme Court Opts Not To Hear Appraisal Case

By Velasquez & Associates |

Most homeowners insurance policies require that the parties submit to an appraisal, in the event that coverage is accepted, but there is a dispute about value, or the amount of damages. A hot issue in appraisals is whether a public adjuster can serve as the appraiser. The Arguments on Both Sides Insurance companies say… Read More »

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DamagesClaim2

The Right To Repair Means The Insurance Company Needs To Repair Correctly

By Velasquez & Associates |

We have written in the past about the differences between policies that allow an insurance company to fix or repair your damage themselves, as opposed to other kinds of policies, which may allow you to hire your own contractors, oversee the repairs, fix or repair the property and then seek reimbursement. It used to… Read More »

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FloodHouse

Rising Flood Insurance Premiums – Fair Or Not Fair?

By Velasquez & Associates |

There is a perception that flood insurance is largely for the rich. After all, it is the rich who can afford luxurious homes right off the water, so why not make them pay their fair share of insurance if they want to live that lifestyle, right? Well, this may be a misconception, and the… Read More »

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RoofDamage

Proposed New Law Could Make Roof Replacement Even More Difficult

By Velasquez & Associates |

It’s bad enough that many insurance policies don’t cover flooding, but rather, that a separate policy has to be purchased to cover damage because of floods. It’s bad enough that sinkhole coverage doesn’t have to legally be included in insurance policies, but rather, sinkhole coverage must be purchased separately (and some insurers may even… Read More »

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Hail2

Insurance Coverage For Damage Caused By Hail

By Velasquez & Associates |

Lost amidst the constant reminders of hurricanes and tornadoes, is the pervasive threat of hail. Although Florida doesn’t get much hail, it does happen, and when it does, it’s good to know whether your insurance company will cover damages caused by hail. Noticing Hail Damage Hail creates problems because the damage it causes isn’t… Read More »

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Claim3

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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