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Category Archives: Property Damage Insurance

ProperIns

What if Multiple Events Combine to Cause Property Damage?

By Velasquez & Associates |

When there is damage to your property you may think that you know what caused the damage. For example, if there is a strong windstorm that causes damage, it may be clear to you that the windstorm caused the damage. But in the real world, there can often be multiple reasons why property is… Read More »

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What Kind of Experts are Used in Property Insurance Cases?

By Velasquez & Associates |

When we think of expert witnesses, we most often think of those that may be involved in personal injury cases, or criminal cases. But expert witnesses play a large part in homeowners’ insurance claims as well. It is important for every property damage insurance attorney and their clients, to know what kinds of experts… Read More »

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Sinkholes: The Forgotten Danger to Property

By Velasquez & Associates |

Florida is home to a myriad of natural disasters which can cause catastrophic losses to property, homes and businesses. One such potential cause of damage are sinkholes. We tend to think of sinkholes as enormous, gaping holes that open up and swallow entire houses or roadways. But even small, slight sinkholes, that are not… Read More »

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InsuranceHome

What is Homeowners’ Liability Insurance?

By Velasquez & Associates |

If you have homeowners’ insurance, part of your coverage is to protect and insure you from losses that occur from damage to your home. This is damage that is caused by wind, floods, hail, sinkholes, falling branches, and many other things that can damage the structures and interior of your home. Liability Insurance But… Read More »

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KitchenFire

House and Kitchen Fires Can Be Dangerous and Very Damaging

By Velasquez & Associates |

Sometimes the biggest risks to our home and our property come from within, and from our own actions. One common area where a homeowner is responsible for damage to a home, albeit accidentally, is the kitchen fire. Fire Damage and Insurance Coverage Kitchen fires are an even bigger concern today, with so many people… Read More »

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Are You Ready for a Flood This Hurricane Season?

By Velasquez & Associates |

Because we don’t have enough to worry about here in Florida, homeowners also know it’s June, and that means the start of our hurricane season. You may think you’re ready for some of the dangers that heavy rains can bring…but are you? Flooding is the Unappreciated Danger According to a report on a survey… Read More »

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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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