Loss assessments in property insurance claims are a complex and often misunderstood aspect for policyholders. In this blog, we will dive into the intricacies of loss assessments, focusing on the often-surprising aspect of the Date of Loss, policy effective dates, and...

James and Laura Molinari left Chicago for a two-story stucco home in this city’s historic Flamingo Park neighborhood. The four-bedroom house was a short bridge away from Palm Beach Island and walking distance to downtown West Palm Beach. Then the renewal for his home...

At Insurance Litigation Group (ILG), we have seen firsthand the importance of reading the fine print in contracts. Many homeowners believe that their insurance policy will cover all losses, but this isn’t always the case. Insurance companies often use exclusions and...

Thousands of Florida Citizens Property Insurance customers are being forced out of the state-run insurer and into the private market, with too little time to respond. Citizens is the insurer of last resort for Florida property owners who cannot find coverage in the...

Florida is one of the most hail-prone states in the United States. In fact, the National Oceanic and Atmospheric Administration (NOAA) reports that Florida experiences an average of 2,000 hailstorms per year. This means that your home is at risk of being damaged by...

Hurricanes can be devastating natural disasters, causing significant damage to homes and properties. When disaster strikes, it's natural to seek assistance to recover your losses, and for many, this means filing a hurricane insurance claim. However, the process can be...

As property owners, securing insurance coverage for our assets is essential for unforeseen disasters. Whether it's your home, business, or any other property, insurance serves as a safety net in times of need. However, the question often arises: should you increase...

What is a Proof of Loss? In the world of property insurance, the unexpected can happen at any moment. Whether it's a natural disaster, a fire, or a burst pipe, the need for insurance coverage can arise when we least expect it. In these trying times, property owners...

At the Insurance Litigation Group (ILG), we understand the frustration that property owners experience when their roofs sustain damage due to unforeseen events such as storms, hail, or other natural disasters. Dealing with roof damage claims can be nerve-racking,...

Tropical Storm Idalia was expected to intensify as it neared western Cuba, and forecasters expected it to strengthen into “a dangerous major hurricane” by the time it reached Florida’s Gulf Coast late Tuesday (August 29) or early Wednesday (August 30). At least one...

Understanding the Essential Protections for Homeowners When people refer to "hurricane insurance" in Florida, they typically mean the coverage provided by a standard homeowner's insurance policy that includes protection against damage caused by hurricanes and...

The National Hurricane Center said at 8 a.m. Friday, July 28, 2023, that a tropical depression could form early next week from a system off the coast of Africa. A tropical wave located southwest of the Cabo Verde Islands off the coast of Africa is expected to become a...

When it comes to protecting our homes, we often focus on securing the right homeowner's insurance or wind policies. However, there is one crucial aspect of home insurance that is often overlooked: flood insurance. Many homeowners assume that flood insurance is...