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A commercial property loss can stop a business in its tracks. Fire damage in a warehouse, flooding in a retail space, storm damage to a roof, or damage inside an office building can interrupt operations, affect employees, and create expensive repair decisions quickly. The challenge is not only proving that damage happened. It is proving the full ...

Most Florida policyholders do not realize their insurance policy may give them a formal way to challenge a settlement offer that seems too low. If your insurer agrees that a loss is covered but you disagree on the amount, your policy may include an appraisal clause. This clause can allow you to select an appraiser for insurance claim disputes an ...

When your property takes a hit from a hurricane, a flood, or a fire, the last thing you want is to find out the insurance company's number does not match the true cost of your loss.  Claim valuation is the process that determines what your loss is actually worth, and getting it right can mean the difference between a fair recovery and a shortfal ...

A pipe bursts at 2 a.m. Water spreads across the floor before you can stop it. By morning, the damage has reached the walls, the cabinetry, and possibly the room below. Your first instinct is to clean it up and call your insurer. That instinct is right, but the order matters more than most homeowners realize. What you document before you file a ...