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I Let My Homeowner's Insurance Lapse. What Happens Next?

I Let My Homeowner's Insurance Lapse. What Happens Next?

A homeowner’s insurance lapse can happen even to the best policyholders. An oversight or failed automatic payments can cause a lapse in your coverage due to nonpayment. Though your coverage should be reinstated once you pay your past-due insurance bill, it isn’t always that simple.

If your homeowner’s insurance policy lapses even for just a day or two, any damages that may occur to your home during that time, due to a fire, storm, or burglary/vandalism could leave you without coverage to pay for the damage.

So, you let your homeowner’s insurance lapse. What happens next? Our public adjusters explain.

Common Mistakes Business Owners Make When Filing Damage Claims

Common Mistakes Business Owners Make When Filing Damage Claims


A storm, fire, or flood has walloped your business or commercial property. How do you get the claims process started? Avoid claims surprises by calling us so we can notify your insurance company immediately. Once they know what’s going on at your place of business then we can assess the damages and make temporary repairs to mitigate further issues and get you back to work ASAP.

Don’t damage your own claim. Our public adjusters outline common mistakes business owners make when filing commercial property claims.

Does Homeowners Insurance Cover Wind Damage?

Does Homeowners Insurance Cover Wind Damage?

Florida may be the Sunshine State, but we have our fair share of high winds and storms that can cause significant property damage. If your home is damaged due to high wind, your homeowner’s insurance policy offers some protection. Generally, you are covered for wind damage from weather events like tornadoes, hail, rain, lightning, and hurricanes.

Understanding how your policy offers protection against wind damage is crucial to be properly prepared for the unexpected because you will understand your coverage limits and know if you need to add additional coverage for a wider net of protection.

Let’s discuss the important ways in which your homeowner’s policy can protect you when the wind starts to pick up...

Florida’s Assignment of Benefits Crisis Leads to NEW Rules for Roofers & Insurance Claims

Florida’s Assignment of Benefits Crisis Leads to NEW Rules for Roofers & Insurance Claims

In Florida, roofers and other repair professionals have been able to be signed on to essentially manage claims for the policyholder often times through what is known as assignment of benefits (AOB). The result? Inflated claims and heightened volumes of lawsuits that have driven up insurance companies’ legal costs thus increasing monthly premiums for homeowners.

New regulations mean that roofing contractors can no longer solicit property damage claims, or risk a $10,000 fine for each violation. Our public adjusters discuss how this impacts roofers and homeowners in Tampa Bay.

Old House Charm: Cast Iron Pipes and Water Damage Claims

Old House Charm: Cast Iron Pipes and Water Damage Claims

Old homes can have a lot of charm. Unfortunately, cast iron pipes don't tend to contribute to it...

While old houses are full of charm, they also can be fraught with an array of problems, including ungrounded outlets, outdated HVAC systems, old windows, and one of the worst problems: plumbing issues.

The worst part is that a lot of the plumbing issues that your older home may have are silent. You might not notice hidden leaks until your water bill starts to climb, or you start to see visible stains or smell musty odors.

How to Place a Claim for Hail Damage

How to Place a Claim for Hail Damage

Unlike other states, hail is not something that we encounter often in Florida. But, as we have recently seen, when heavy thunderstorms produce hail, it can cause extensive damage to roofs, cars, windows, etc.

Was your roof damaged by hail? Here are the most important things to keep in mind when filing a hail damage claim in Florida so you can get the settlement that your property deserves.

How To Place a Water Damage Claim

How To Place a Water Damage Claim

There’s water everywhere, and the damage? You don’t even want to think about it.

The damage has been done, and now it’s time to place a homeowner’s insurance claim. Not sure what your options are or how to place a claim?

Our public insurance adjusters share how to place a water damage claim to get your home or business back to pre-loss condition. See how to get the most for your property damage:

Should You Accept the Insurance Company’s Offer?

Should You Accept the Insurance Company’s Offer?

The entire ordeal is almost an inevitable never-ending circle…you cannot get the necessary work done on your home unless you have the money, but you also cannot wait any longer without having the work done. So naturally, you want to take the first settlement offer that comes in.

And why shouldn’t you? Your insurance company is looking out for your best interest, right? Wrong. The simple answer is you shouldn’t accept the insurance company’s first offer. Here’s why…

 
 

If you’d like to get the fairest settlement you can to repair your home or business, lean on Liberty Adjusters.