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In Florida, mortgage lenders require home insurance coverage for their own financial protection. Although there is no other legal requirement to obtain home insurance, it is strongly recommended. Home insurance allows homeowners to protect their property investment, personal belongings, and additional expenses incurred as a result of a covered loss. Despite taking precautions to avoid … Read more

What is Demotech? Demotech, Inc. is an Ohio-based consulting firm that provides financial ratings for property and casual insurance companies. These ratings assist property owners when selecting from insurance companies. Demotech began rating Florida insurers after Hurricane Andrew made landfall in 1992 and caused billions of dollars in property damage.  Demotech offers ratings to express how … Read more

Water damage is one of the most common causes of home insurance claims. Water damage may be caused by storm-related floods, bursting pipes, sewer backups, broken appliances, and more. Most homeowner insurance policies cover accidental water damage, while additional flood insurance can be purchased.  Steps A Homeowner Should Take After Experiencing Water Damage The following … Read more

What Does My Insurance Policy Cover? Most homeowners pay an insurance premium that provides coverage for their private property, in exchange for timely paying premiums for their insurance policy. But what happens if your property sustains damage and you need to file a claim with your insurance company? Duties After A Property Damage Loss The … Read more

Hurricane Season extends from June 1st to November 30th, and affects all of us in Florida. Although tropical storms and hurricanes are unpreventable, you can take steps to prepare and protect your family and your home. Those of us located in South Florida are more susceptible to flooding, which could pose additional obstacles following the … Read more