Hurricane Claims
Hurricane Deductibles: Available Options and When They Apply
Florida law requires insurers to offer specific hurricane deductible tiers — and the deductible applies annually, not per storm.
Author: legalhlg
Roof Claims
Can an Insurer Pay Only Actual Cash Value for an Older Roof?
Florida law doesn't set a roof age at which a claim must automatically be paid at ACV instead of replacement cost — though a few real statutory provisions are often misread that way.
Sinkhole Claims
Sinkhole Coverage vs. Catastrophic Ground Cover Collapse
Insurers are only required to cover a narrow, specific event — and a 2011 law added a strict structural-damage requirement on top of it.
Storm & Roof Claims
Building-Code Upgrades After a Major Loss
Rebuilding to current code can cost more than simply repairing what was damaged — here's what Florida law requires insurers to offer.