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Category Archives: Property Damage Insurance

Legal17

What if an Insured Repair Can’t be Done Because of a Non-Insured Condition?

By Velasquez & Associates |

A property insurance policy is not a maintenance contract. It is not designed to refurbish things that get old, or to fix rot, erosion, or wear and tear, which is why these items are specifically excluded from almost every type of policy. However, there is a problem that occurs that can be very frustrating… Read More »

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Legal12

Squirrel Causes Damage to a Home: Would You be Covered?

By Velasquez & Associates |

It’s not often that homeowners’ insurance topics make news, but when they do, it’s usually because something odd, bizarre, or weird happened. Such is the case very recently, when a family’s home was destroyed not by flood, sewage backup, hurricane or tornado…but by an invading squirrel. Squirrel Tears up Home The incident happened while… Read More »

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Lawyer4

When Does a Homeowners’ Insurance Company Act in Bad Faith?

By Velasquez & Associates |

When your insurance carrier fails to pay what it should for damage to your property, or when it agrees to pay something but not the correct amount or make the correct repairs, there is almost always a breach of contract action against the insurance company. However, many people don’t realize that an insurance company… Read More »

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InsClaim

Florida Courts Don’t Like Homeowners Who Delay Making Claims

By Velasquez & Associates |

If you have damage to your home and have to make a homeowner’s insurance claim, it goes without saying that you should act as quickly as you can. However, many people do not, and they make their claim too late—sometimes even years after the damage. Is a delay in reporting a claim an automatic… Read More »

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Sewage

Sewage Backups: Do You Have Insurance Coverage?

By Velasquez & Associates |

When we talk about damage to property and the kind of losses that lead to homeowner’s insurance claims, we often talk about wind, storms, or water leakage (and sometimes even damage by wild animals). But there’s an even more repulsive form of damage: backed up sewage. You would think that most insurance companies would… Read More »

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Insurance4

Dealing With the Insurance Company’s Adjuster

By Velasquez & Associates |

If you have a property damage claim, sooner or later, an adjuster from the insurance company will come to your house to look over your property and evaluate your damage. On one hand, you may not realize the importance of this step, so you may not be concerned at all. On the other hand,… Read More »

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LaptopGavel

Does Your Homeowners’ Insurance Company Owe You Interest?

By Velasquez & Associates |

You probably think of interest as something that you pay to a lender, or that someone pays to you when they borrow your money. Interest has to do with car loans, mortgages, or credit cards, among other borrower-creditor relationships. It may surprise you to know that your homeowners’ insurance company could end up owing… Read More »

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GavelBooks

The Problem With Matching in Homeowners’ Insurance Cases

By Velasquez & Associates |

Sometimes property is totally and catastrophically destroyed, such as after a major hurricane. Other times, there may be damage to a large part of your property, but not all of it—for example, a flood that ruins the flooring on 75% of the surface area of your home. Although you are always better off sustaining… Read More »

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Insurance5

Homeowners’ Insurance Claims Files Are Important, but Tough to Obtain

By Velasquez & Associates |

When a lawsuit is filed, both sides have the opportunity to get the facts of the other side’s case. This includes being able to obtain documents that the other side will use to assert claims, or put up defenses. When it comes to lawsuits against homeowners’ insurance companies, the claims file for the adjusters… Read More »

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Litigation5

How Will You Pay Your Attorney in a Homeowners’ Insurance Claim Case?

By Velasquez & Associates |

Let’s imagine that something bad happens to your home. Your roof sustains damage after a storm, or your floors flood after a burst pipe, or your home sustains any other kind of damage that requires making a claim on your homeowners’ insurance policy. You make your claim, but the insurance company either denies coverage,… Read More »

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