Florida’s 2023 insurance reform fundamentally changed property damage claims.
Assignment of Benefits agreements — once widely used by contractors to control litigation — are no longer permitted under new property policies.
This means control returns to the insured.
But confusion remains.
Many homeowners still sign repair agreements without understanding how this impacts negotiation leverage and litigation rights.
Insurance law strategy now begins before repairs start.
Before signing any document related to your claim:
📩 Comment “POLICY” and let’s review your position.
#PropertyDamageFlorida #FloridaInsuranceLaw #AOBReform #StormClaims #AAALawGroup
Florida homeowners living in an HOA...this is important.
A new Florida law (House Bill 293) recognizes metal roofs as hurricane protection and prevents HOAs from denying them if they meet building code requirements.
That means many homeowners who were previously told “no metal roofs allowed” may now have another option.
If your tile roof is aging or failing, it may be worth exploring.
Have you noticed how claim deadlines can sneak up on Florida homeowners?
Many assume once a claim is closed, that's the end. But Florida law gives you more time than you might think to reopen claims—up to a year from the date of loss, and even 18 months for supplemental damages.
For example, a homeowner we recently worked with thought their roof claim was settled. New storm damage appeared months later, and because they knew about the reopening window, they were able to file supplemental documentation and recover additional coverage.
This means keeping careful records and staying aware of timelines is crucial. Missing these windows can close the door on valid claims, even if damage wasn't immediately apparent.
What questions do you have about claim deadlines or reopening a claim? Sharing your experiences can help others protect their homes too.
Roofers! Don’t let the insurance companies take advantage of you! Karkatselos Law can assist with ensuring your interests are protected.
#floridaroofers #stormdamage #underpaidclaims #homeownersinsurance #tampa
Over 42,000 hurricane claims remain open — some with no payment, others with partial payment.
Being told your claim is “under review” for months is not always normal.
YON LAW offers free hurricane claim reviews to help Florida property owners better understand their insurance claim status and options.
📞 Call: 1-888-937-8968
🌐 Learn more: www.YonLaw.com
📍 Serving Florida homeowners
This post is for informational purposes only and does not constitute legal advice. Past results do not guarantee future outcomes. Submission of an inquiry does not create an attorney-client relationship.
#PropertyInsurance
#InsuranceClaims
#FloridaProperty
#PropertyDamage
#InsuranceHelp
#KnowYourCoverage #YonLaw #LegalHelp
Florida’s 2026 laws mean insurers can’t just drop a homeowner for an old roof if it’s still good. I help you navigate these new rules to prove when a roof actually needs replacement vs. when a carrier is overstepping.
Florida’s 2026 update to the Roof-Age Rule (HB 815) means insurance carriers can’t automatically non-renew a policy simply because a roof is 15 years old if it’s still in good condition.
Age alone is no longer enough.
If a roof has useful remaining life, carriers must rely on proper inspection standards, not blanket rules.
The issue? Many homeowners don’t know their rights.
That’s where I come in.
Farrah Fariab | Public Insurance Adjuster | Coastal Claims Services 📍 Serving Florida | FL License W120835 📞 (954) 908-2589 (Direct) | 📧
[email protected] 🌐 www.CoastalClaims.net
#FloridaInsurance #HB815 #RoofAgeRule #PublicAdjuster #CoastalClaimsServices
50% OF TEXAS ROOF CLAIMS GET ZERO DOLLARS. Learn why 47% of homeowners are getting denied and the three steps you must take to protect your property. Digital twin assisted. Follow to stop leaving money on the table.
#TexasRealEstate #InsuranceClaims #RoofingTexas #StormDamage #HoustonHomeowner #Shorts #Reels #AIClone
🏠🔨 Does your roof meet the 2026 code?
Florida is raising the bar for construction, and now more than ever, it’s important to hire licensed contractors.
In 2025:
• Over 2,000 actions taken against unlicensed contractors
• $4.3 million paid to affected homeowners
• New inspections and rules for roofs and structures.
Protect your home and your investment. Get your inspection today. ✅
📞 Free Inspection | 321-666-7699
🟧🟥 Florida’s Top Contractors 🟥🟧
📍 Serving Central Florida
| Licensed Roofing Contractor
topcontractorsfl.com
#RoofsInFlorida #SafeRoofs #BuildingStandards #DBPR #LicensedContractor #HomesInFlorida #Roof2026 #ProtectYourHome #HomeInvestment #RoofInspection
Why Some Homeowners Struggle After a Storm 🏠
@ajhuckaby breaks down how smaller claims are often delayed, underpaid, or denied, leaving homeowners unsure of where to turn next.
It’s an issue many don’t see coming until they’re in the middle of it.
🔗 Learn more at http://www.rcat.net
#RCAT #RoofingContractors #WaterproofingContractors #ContractorAssociation #TexasRoofing
Hurricane damage left your home in pieces? Your insurance company should have your back - but what happens when they don’t?
We help Florida homeowners fight for fair settlements and get the repairs covered. You have paid your premiums. Now it is time they pay up.
Call 833-MIKE-247 - Let us get you the coverage you deserve.
#HurricaneDamage #PropertyDamage #FloridaLaw #InsuranceFight #BoyntonBeach
The biggest mistake homeowners make after property damage? Waiting.
When you delay reporting damage, insurance companies begin to question:
⚠ The cause
⚠ The timeline
⚠ Your credibility
And that gives them reasons to minimize or deny your claim.
Here’s what protects you from day one:
✔ Take photos immediately
✔ Record detailed videos
✔ Report the damage as soon as possible
The sooner you document and report, the stronger your case becomes.
At A&A Law Group P.A., we review claims strategically before delays are used against you.
📩 DM REPORT so we can evaluate your case.
📞 +1 (407) 342-3487
#PropertyDamageFlorida #InsuranceClaimHelp #FloridaHomeowners #InsuranceDisputes #OrlandoAttorney
Homeowners can't predict disaster, but they can prepare for it. But when your insurance company has denied, delayed or underpaid you and you're left with damaged property, it's normal to feel defeated.
Moore Law Firm will fight for the full cost of repair of your storm damaged property at NO COST to you!
📞 Call 866-MIKE-WINS
📍 RGV | San Antonio | Houston | Austin | Dallas
#rgvattorney #texasattorney #stormdamage #insuranceclaims