Florida’s weather is anything but predictable. From hurricanes and tornadoes to thunderstorms and hail, the state is prone to a wide variety of extreme weather events. And while Florida’s beauty is undeniable, its weather can also be destructive. If you’re a property owner in Florida, it’s important to be prepared for the unique weather challenges that your property faces. In this article, we’ll discuss seven unique facts about Florida weather and what you can do to protect your home, business, and other property. 7 Unique Facts About Florida’s Property-Damaging Weather 1. Florida is the lig ..read more

Florida is known for its beautiful weather, but it also happens to be the lightning capital of the United States. According to the National Weather Service, Florida receives an average of over 1.4 million lightning strikes per year. That’s nearly 4,000 lightning strikes per day! It’s no surprise then that the Insurance Information Institute reported Florida as the state with the most lightning-related homeowners insurance claims for the last several years. In 2022, 5,504 claims were submitted by Florida homeowners with an average cost per claim of $14,562. Top 10 States for Number of Homeowner ..read more

As of August 26th, a tropical storm is brewing in the Caribbean Sea, and if conditions hold up, we’ll be calling it Idalia by late Sunday or Monday. Potential Storm Headed to Florida: What You Need to Know The National Hurricane Center (NHC) is monitoring a tropical disturbance in the northwestern Caribbean Sea that has a 70% chance of developing into a tropical depression or named storm by late Sunday or Monday. If it becomes a tropical storm, it will be named Idalia. According to the National Hurricane Center, “Idalia is expected to track toward the Florida and Alabama Gulf coastlines later ..read more

Filing a homeowners insurance claim in Florida can be challenging, especially if you’re not familiar with the process. There are several challenges that homeowners in Florida face when filing a claim, including: Understanding your policy: The first challenge is understanding your homeowners insurance policy. This can be a complex document, and it’s important to understand what is and isn’t covered. Gathering documentation: Another challenge is gathering the necessary documentation to support your claim. This includes receipts, photographs, and contractor estimates. Dealing with the insurance ..read more

Last week a major 75 ft. sinkhole opened in Lakeland, Florida, which was thought to be the result of a new well being drilled on a nearby property. Sinkholes are more common in Florida than you think, especially in parts of Florida known as Sinkhole Alley which includes Hernando, Hillsborough, and Pasco counties. Florida is one of the most sinkhole-prone states in the United States. Sinkholes can range in size from a few inches to several hundred feet wide. Sinkholes can cause significant property damage, and they can even be fatal. This blog post will discuss the dangers of sinkholes, how to ..read more

The SBA has approved over $1 billion in loans to Florida businesses and residents affected by the recent flooding in Fort Lauderdale. The SBA is also offering loans to businesses and homeowners affected by the recent tornadoes in the state. The loans are available for up to $200,000 for homeowners and up to $1 million for businesses. SBA loans can be a great option for people who need financial assistance but may not qualify for a traditional loan from a bank or other lender. SBA loans have lower interest rates and more flexible terms than many other types of loans, making them more affordable ..read more

According to FBI statistics, a burglary, on average, results in a loss of $2,661 to the homeowner. However, having property insurance can help you mitigate this loss via the facility of insurance claims. By making an insurance claim, you get reimbursed for the property that was damaged or lost, allowing you to start rebuilding. However, it can be difficult to figure out the types of property you can make an insurance claim for and the kind of proof you need. In this brief, we will be answering these questions so you can have an easier time making an insurance claim if you ever need to make one ..read more

Note: This article is a continuation of the mold series, but don’t worry, we’ll catch you up with what you need to know. Contact us if you have mold and want immediate assistance identifying if cleanup and repair costs could, and should, be paid for by your insurance company. In a previous article, entitled: “How Do You Check for Mold After a Storm or Flood?” we explained that mold is a very tricky problem because it can spread undetected for years.  Apart from high moisture areas, such as kitchens and bathrooms, mold can breed dangerously in leaking ceilings, drainage systems ..read more

Wildfires, floods, tornadoes, hurricanes. Disasters can strike at any time in Florida. There are three steps to disaster preparedness for your business: insure, secure, and recover. Let’s take a look at each of these. Insure An insurance policy usually cannot be revised when a named storm is threatening Florida. Review your property insurance policies for your business each year prior to the start of hurricane season. Make sure you have the appropriate amount and type of insurance coverage to protect your business. Review your insurance needs and your current policies with your insurance agen ..read more

In recent years, Fort Lauderdale has taken measures to address flooding, including implementing infrastructure upgrades such as seawalls, stormwater pumps, and raising roads to mitigate the impact of flooding. However, even the best preventative measures couldn’t have stopped the flooding that happened in Fort Lauderdale on April 12, 2023. The rainiest day in its history to date, Fort Lauderdale experienced 26 inches of rain in a 24 hour period – a 1-in-1,000 rainfall event. The flood waters damaged homes forcing some to evacuate. Businesses were impacted, too. The Fort Lauderdale flood tempor ..read more