Apr 26, 2026 By Chip Merlin Original Article Link: https://www.propertyinsurancecoveragelaw.com/blog/water-claims-denials-and-the-quiet-battle-over-time/ Water is life. Every culture, every profession, and every person understands that truth instinctively. Without it, nothing works. When water goes wrong, too much of it or not enough of it,…
Apr 25, 2026 By Yanet Cordova Quintero Original Article Link from Merlin's Blog: https://www.propertyinsurancecoveragelaw.com/blog/coverage-a-vs-coverage-b-court-rejects-carriers-attempt-to-reclassify-attached-structures/ In Anytime Restoration Services of Florida, Inc. v. Citizens Property Insurance Corp., 1 Florida’s Third District Court of Appeal delivered a strong reminder: carriers cannot artificially reclassify damage to limit coverage…
Water damage is one of the most common—and most costly—insurance claims in Florida, especially in South Florida communities like Boca Raton. What may start as a small leak can quickly turn into a widespread loss involving warped hardwood floors, damaged…
When a commercial property suffers damage—whether from fire, water, storms, or other catastrophic events—most business owners and property managers assume their insurance company will step in and pay what’s fair. Unfortunately, that’s often not how it works. Commercial property insurance…
If you’re a landlord or a tenant in a commercial building, you should be aware of howimprovements and betterments are treated for insurance claim purposes. First of all,what are improvements and betterments? Improvements and betterments, sometimescalled additions and alterations, are…
If your home in Boca Raton suffers property damage, the decisions you make in the first hours and days can directly impact how much your insurance company pays you. Unfortunately, this is also the stage where most homeowners unknowingly make…
If you’ve filed a property insurance claim in Florida, you’ve probably heard the word adjuster many times. However, most homeowners and business owners miss one key fact: Not all adjusters work for you. Because of this, understanding who represents your…
The 1% Matching Endorsement: What Is It, And What Does It Mean For Florida Policyholders Homeowners purchase insurance with one core expectation:If their home is damaged, their insurance will make them whole again. Unfortunately, that promise is more frequently being…
The $10,000 Water Damage Limit: How Insurance Companies Are Trapping Florida Claimants Water damage is one of the most common and destructive property losses in Florida — yet thousands of homeowners and commercial property owners don’t realize they are severely…
1. The Reality Gap: First Offers vs. Real Entitlements After a disaster, most homeowners assume the first settlement offer from their insurance company represents the true value of the damage. In reality, that insurance cost gap hides what is usually…