Category: Property Insurance

If your insurance company is delaying a property claim, it may go beyond normal processing and signal bad faith—knowing your rights and taking action can help move your claim forward.

You can sue your insurance company when it breaches the contract you paid for or acts in bad faith when handling your claim. Remember, insurance policies are contracts. You pay premiums; the insurer agrees to cover certain losses. When they fail to uphold that agreement, the issue moves beyond a routine claim dispute.

Citizens Insurance has recently introduced policy changes requiring certain disagreements to be settled through the DOAH rather than the conventional court system. Although Citizens frames this as an "alternative dispute resolution" method, it changes the means by which policyholders can legally enforce their rights.

Citizens is a necessary option, not necessarily a preferred one. If you're in a high-risk coastal area, have an older home, or have been denied by private carriers, Citizens may be your only realistic choice for property coverage. In that context, having coverage through Citizens is certainly better than being uninsured.

Property insurance helps protect homes and businesses from covered damage, but policies have limits, exclusions, and strict claim rules. Learn how coverage works, what’s excluded, and what to do if your claim is delayed or underpaid.

Florida hurricane insurance typically covers wind damage to your home and belongings but excludes flooding. Learn what’s covered, common claim issues, and how to protect your rights after a storm.

If you’re dealing with water damage, don’t guess at what your policy covers. A wrong move early in the claim can cost you thousands. Before signing anything, giving a recorded statement, or accepting a low estimate, talk to an insurance dispute attorney who knows how these companies operate.

Homeowners insurance denials are common in Florida, but many can be overturned. Learn why claims get denied, what your rights are, and the steps to dispute a denial and protect your home.

Commercial property insurance covers buildings, business property, and certain losses—but exclusions and claim disputes are common. Learn what’s covered and how to protect your business.