If you’ve been paying attention then you already know the Florida PIP repeal was well underway earlier this year. The bill aims to remove the limitation on tort liability, thus holding the at-fault driver entirely liable for any accident-related charges. This is not the first time a reform bill has been presented. Just last year […]
Homeowners Insurance Issues with Cloth Covered Wiring
South Florida is home to a thriving population of historic preservation enthusiasts. By and large, most of the homes and buildings that have been bought up in the last few years have been completely renovated. However, sometimes the people who are renovating and then selling these homes – in other words flipping them – have […]
Fleet Insurance in Florida
If your business has more than one vehicle, or more than one type of vehicle, you may need to think about purchasing fleet insurance. Fleet insurance means that you’re buying bulk insurance to cover a number of commercial vehicles. The type of insurance that you will need depends upon the use of the vehicles that […]
Tips to Avoid Home Repair Scams in Florida
When the hurricane is gone, you can be forgiven for thinking that the worst might be over. You have your homeowner’s insurance policy and you have your flood insurance policy. You are a conscientious homeowner who has taken pains to make sure that you are covered for any eventuality. What could possibly go wrong? The […]
What Is the Cost of Flood Insurance in Florida?
We’ve had a wild ride in the past two months, and it looks like we could be facing more storms teeing up in the South Atlantic. At the moment, the 10 year lull between major storms seems less like a reprieve and more like Mother Nature’s “Gotcha, suckers!” There are some questions if Florida’s private […]
In-Law-Suite Not So Sweet
Q: My in-laws moved out last summer to an assisted living facility. After they were gone, we renovated their two-bedroom apartment/in-law suite. Sometimes we rent it out on Airbnb since we live in a resort area. However, this past spring we let my nephew and some friends come down for spring break. Long story short, […]
Commercial Driving Businesses Need Commercial Auto
Q: I started out driving for Uber and Lyft, but now I am opening my own limousine service in a couple of months. I have a good client list from doing ride-share, and now I own a limousine. What kind of limousine insurance am I going to need? A: It’s great that you’re going to […]
Rough Storm Ahead for South Florida Homeowners
Since 2012, insurers are dealing with the unintended consequences of a move that was supposed to be a benefit to homeowners. Assignment of benefits was supposed to allow homeowners, renters, and landlords get their damaged properties fixed quickly and back to normal after a flood, accident, or other event. Instead, thanks to a few contractors […]
A Hurricane Preparedness Resource List
We’ve been lucky so far. A major hurricane hasn’t hit us in years, but that doesn’t mean it will not come around this year. Florida’s population has grown massively and many new residents have no idea how to prepare. Let’s start with the basics. Tropical Storm vs. Hurricane: A tropical storm shows the same cyclonic […]
Why a Homeowner’s Policy May Not Cover an Airbnb Rental?
Q: I have been thinking about joining Airbnb as a host and would be renting out a Granny suite in my home. When I talked about it with some friends, they said I shouldn’t do it because it would invalidate my homeowner’s policy. Is this true and is there something I can do about it? […]