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Category Archives: Property Damage Insurance

Legal14

Why Your Homeowners’ Insurance Check Has Your Mortgage Lender’s Name on it

By Velasquez & Associates |

You have damage to your home, and it looks like your homeowners’ insurance property damage claim is going OK. The property damage adjuster is out at your property, and says that your loss is covered (or at least, that it seems to be upon first inspection). Your insurance company says that it is sending… Read More »

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Can Your Private Adjuster Also be Your Appraiser in Your Insurance Claim Dispute?

By Velasquez & Associates |

In many cases, disputes arise in property damage cases as to what the value of the homeowner’s loss actually is. The homeowner and the insurer can argue about it, but value can be a subjective term, and can be based on a number of factors. That’s why in most cases, if there is a… Read More »

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Does Property or Business Insurance Cover Coronavirus Claims?

By Velasquez & Associates |

As the coronavirus spreads throughout the nation, many people are going to find their households or businesses affected by the disease or events related to it. Can you make a property insurance claim or a business interruption insurance claim for your property being infected with the coronavirus (or any disease)? New Laws Will Have… Read More »

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Insurance Claims for Theft Can Be Difficult to Prove

By Velasquez & Associates |

When we think of homeowner’s insurance claims, it is often damage to property caused by sinkholes, wind, leaks, or other non-human forces that come to mind. This is justifiable, because these are the causes of most homeowner’s insurance claims. But many insurance policies also cover theft, which makes such coverage the one kind of… Read More »

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Courtroom

What is an Examination Under Oath?

By Velasquez & Associates |

You have damage to your property, and you contact your insurance company. They seem ready to help you, and they appear to understand your problem. All they want is for you to take what is known as an examination under oath (EUO). You don’t know what that is, but the words “under oath” tend… Read More »

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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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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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