Flooding is one of the most devastating natural disasters, and estimating flood damage is crucial for a successful recovery. This comprehensive guide will walk you through the steps needed to create accurate flood loss estimates for dwellings under the National Flood Insurance Program (NFIP). Whether you’re a public adjuster, contractor, or policyholder, this guide will […]

Homeowners insurance is vital for safeguarding your property against various risks, especially in Florida, where unique environmental factors can complicate coverage. This blog will highlight reputable insurers operating in Florida, the pros and cons of private versus state-backed options, and tips for comparing policies effectively. Top Companies Providing Homeowners Insurance in Florida Several insurers continue […]

Homeowners insurance is crucial for protecting your property from various risks, but understanding what is and isn’t covered can be complex, especially in a state like Florida with its unique risk factors. This blog will clarify standard coverage, common exclusions, and how you can address coverage gaps in Florida. Common Exclusions in Florida Homeowners Insurance While homeowners insurance provides essential coverage, there are some common exclusions, particularly in high-risk areas like Florida: Differences in Coverage Between Florida and OtherStates Homeowners insurance in Florida often differs from policies in other states due to the unique risks: How to Fill Coverage Gaps To ensure comprehensive protection, consider these options for filling coverage gaps: Tips for Understanding Policy Limits and Endorsements […]

Finding homeowners insurance in Florida can be challenging due to the state’s high-risk profile and recent market fluctuations. However, several solutions are available to help homeowners secure the coverage they need. This blog will guide you through reliable insurance companies, tips for comparing policies, and state-backed programs like Citizens Property Insurance. Additionally, we’ll explore how public adjusters can assist you after claims are filed. The Most Reliable Insurance Companies Still Offering Coverage […]

Florida has been experiencing a significant increase in homeowners insurance premiums, which can be concerning for residents. Understanding the factors driving these rises is crucial for homeowners looking to manage their insurance costs effectively. This blog will examine recent trends in the insurance market, and the effects of climate change, and provide tips on reducing insurance costs through mitigation and improvements. Recent Trends in the Insurance Market Several recent trends have contributed to the increase in homeowners insurance premiums in Florida: […]

If you’ve recently noticed a spike in your homeowner’s insurance premiums in Florida, you’re not alone. Rising insurance rates can be a significant concern for homeowners, especially in a state known for its susceptibility to natural disasters. This blog will delve into the key reasons behind these increases, the challenges facing Florida’s insurance market, and provide tips on how homeowners can work to minimize their rate […]

As Floridians, we’re no strangers to hurricanes. It might seem tempting to don your flip-flops, grab a cold drink, and relax as a Category 3 storm rolls in. But, let’s be honest—there’s a fine line between staying calm and putting yourself (and others) in danger. And trust us, you don’t want to be the person […]

Understanding the deadlines for filing homeowners insurance claims is crucial for ensuring you receive the compensation you deserve. In Florida, where the risk of natural disasters like hurricanes is high, timely filing can significantly affect your claim’s outcome. This blog will clarify the deadlines you need to know, the consequences of missing these deadlines, and how public adjusters can assist you in navigating the process. Specific Deadlines for Different Types of Claims In Florida, the deadlines for filing insurance claims can vary depending on the type of claim: Non-Hurricane Claims: For non-hurricane-related claims, such as those for fire or theft, you generally have one year from the incident date to file your claim. […]

When a storm is on the horizon, knowing what steps to take beforehand can mean the difference between minor damage and major destruction. Being prepared not only helps protect your home and property but also ensures the safety of your family. Below, we’ve outlined 10 essential pre-storm actions you can take to safeguard your home […]

Florida is known for its beautiful beaches, sunny weather, and vibrant lifestyle. However, its unique climate and susceptibility to natural disasters, such as hurricanes, pose significant challenges for homeowners seeking insurance coverage. If you’re a Florida resident or planning to move to the Sunshine State, understanding how to secure homeowners insurance despite these challenges is […]

Filing a claim with your homeowner’s insurance can be a daunting process, especially when you’re dealing with the aftermath of a loss or damage to your property. Understanding what to expect and how to navigate the process can make it much smoother and less stressful. In this guide, we’ll walk you through the steps of filing a claim in Florida, the role of public adjusters, and what documents […]

One of the most common concerns for homeowners in Florida is how long it will take to complete a home insurance claim. After an unexpected event like a hurricane, water leak, or theft, the claim process can take forever. In this blog, we’ll break down average timelines for various types of claims, outline factors that can slow down the process, and explain how hiring a public adjuster can […]

Florida’s distinctive climate and frequent natural disasters create a unique landscape for homeowners insurance. The state’s weather risks from hurricanes to heavy rains necessitate specific insurance laws designed to protect residents and manage claims effectively. Understanding these laws, knowing key deadlines, and utilizing resources like public adjusters can significantly affect your claims process.  Here’s a […]

Wind events, ranging from strong gusts to sustained high winds, can pose significant threats to homes in Florida. If you’ve recently experienced a wind event, it’s important to take prompt and organized action to ensure your property is secure and any damages are properly addressed. Here’s an in-depth guide to help you navigate the post-storm […]

Hail storms can be sudden and severe, leaving homeowners with significant damage to address. If you’re a Florida homeowner who’s just experienced a hail storm, it’s crucial to take systematic steps to assess and repair the damage effectively. Here’s a detailed, step-by-step guide to help you through the process, ensuring your home and interests are […]

What Months Are Florida Hurricane Season? Florida’s hurricane season stretches from June through November. During these six months, the combination of warm sea temperatures and atmospheric conditions conducive to storms mean that hurricanes are more likely to form in the Atlantic and potentially affect Florida. Understanding this timeline helps homeowners prepare in advance, ensuring they’re […]

As we navigate the aftermath of Hurricane Ian, it’s crucial to recognize the ongoing plight faced by many homeowners in the affected regions. With the deadline to file insurance claims or address underpayments now only 7 months away, the need for immediate action has never been more urgent. The journey to rebuild and recover hinges […]

Attention Public Adjusters and Policyholder Clients: Time is running out! We urgently need to bring to your attention the impending deadline for filing claims with United Property and Casualty Insurance through the Florida Insurance Guaranty Association (FIGA). Following the liquidation of United Property and Casualty Insurance on February 27, 2023, the window for filing claims […]

Dealing with property damage can be stressful, and navigating the insurance claims process adds an extra layer of complexity. Understanding the common pitfalls that lead to claim denials can equip you with the knowledge to better prepare your claim submissions. This detailed guide delves deeper into the top reasons insurance claims are denied and provides […]

It’s a narrative that’s all too common and fear-inducing: “I filed a claim, my insurance dropped me, denied me, and now I’m left fending for myself.” This alarming statement resonates with many homeowners, instilling a fear of filing insurance claims. But is it really the claim that’s to blame, or is there more to this […]

Facing Property Damage? Here’s Your Step-by-Step Guide to Restoration and Peace of Mind Experiencing a property loss can be an emotional and overwhelming ordeal. But amidst the chaos and uncertainty, it’s essential to remember that you’re not alone. At Claimpros, our mission is to stand by your side and guide you through this challenging journey. […]