Homeowner Guides
Do you have questions about your home insurance policy? Are you curious about the ins and outs of the world of property insurance? Check out our homeowner guides below!
Blogs
My insurance company is taking forever with my claim. Why?
As a homeowner, you pour your heart, soul, and wallet into preserving your sanctuary, striving to keep it…
My insurance company keeps depreciating my claim
Navigating the complex waters of an insurance claim can be a daunting experience, especially when the term “depreciation”…
What does a lowballed claim mean?
When a natural disaster strikes, leaving your home in disarray, one of the initial steps in restoring normalcy…
Why do cast iron pipes need to be fixed?
Cast iron pipes have been an integral part of our infrastructure for centuries, dating back to the early…
What is Hazard Insurance? What You Need to Know
Securing a mortgage loan to purchase a new home often requires obtaining adequate homeowners insurance coverage, which includes…
Hurricane Ian: How to Get the Fastest Settlement Possible
If you’re a homeowner affected by Hurricane Ian, you’re likely eager to get your life back to normal…
Cut Down Homeowners’ Insurance Costs: Tips That Actually Work
Looking to cut down homeowners’ insurance costs? You’re not alone. With insurance rates on the rise, homeowners are…
Navigating Insurance Companies: How to Reach Them and Get Results
If you’re like most homeowners, you know that insurance is meant to be a safety net. However, navigating…
Top Reasons Why Hurricane Ian and Nicole Insurance Claims are Being Denied
Are you one of the many individuals who have received a denied claim after Hurricane Ian and Nicole?…
My House Was Destroyed – Will My Insurance Company Pay For Me To Live Somewhere Else?
Natural disasters can be devastating, and living in a hurricane-prone area can add an extra layer of stress…
Top 5 Insurance Claim Problems Homeowners Face and How to Avoid Them
Navigating the insurance claims process can be a daunting task, especially when you are dealing with large corporations…
Is an AC Leak Covered by Home Insurance?
Having an air conditioning (AC) unit is a necessity, especially during the hot summer months. However, if you…
How do I get my insurance company to listen to me?
Homeowners are left in the dark when it comes to filing claims, making them ask “how do I…
Maximize Your Insurance Payout: 3 Winning Strategies
Homeowners who are dealing with property damage claims can find themselves facing an emotionally draining and complex process.…
A Brief History of Cast Iron Pipes
From the time of the Roman aqueducts, people have looked for ways to move water and sewage from…
Public Adjuster 101: What Happens if You Don’t Have a Public Adjuster?
Purchasing a home can be an exciting time, but in doing so, a whole slew of additional responsibilities…
How Can A Public Adjuster Work with Your Community Association?
Accidents happen all the time. They occur randomly and you are never really prepared for them. They are…
Most Common Property Damage Claims in South Florida
Florida’s proximity to the ocean, and near surrounding of the ocean, is both a benefit as well as…
Does Homeowner’s Insurance Cover All Rain Damage?
As a Florida homeowner, rain is something you’re used to in the months before and during hurricane season.…
My Washing Machine Is Leaking! What’s Covered and What’s NOT?
If your washing machine is leaking, you may be looking at making a water damage claim on your…
Business Interruption Insurance Claim – Are You Covered?
Did you have to file a business interruption insurance claim? Not sure if you’re even covered for business…
Why Did My Home Insurance Premium Increase?
No one likes to see their home insurance premium increase. Really, increases in any living expense can be…
What are the most common types of property damage claims in South Florida?
Florida’s proximity to the ocean, and near surrounding of the ocean, is both a benefit as well as…
My House Is Flooded! Will My Insurance Cover Flood?
If you’re asking yourself, “Will my insurance cover flood?” you may need some help. Flood coverage for homeowners…
What Can I Do to Lower the Cost of My Homeowners’ Insurance?
If you are looking for ways to lower the cost of homeowners’ insurance, you’re not alone. Insurance rates…
How long will it take before my insurance company settles with me?
Are you left wondering, “How long it will take before my insurance company settles with me?” Having to…
Will My Homeowners Premium Increase if I file A Claim?
With ever increasing homeowner insurance premiums, more and more Florida homeowners are asking themselves if they should file…
Why Was My Claim Denied After Hurricane Ian and Nicole?
Do you have a denied claim after Hurricane Ian and Nicole? A denied claim is a frustrating and…
5 Facts That Every Homeowner Needs to Know about Home Insurance Premiums
There are facts that every homeowner needs to know about home insurance premiums. The problem is most of…
The Top 3 Strategies for Getting More Money from Your Insurance Company
Navigating a home damage claim can prove to be a challenging and emotionally draining task for property owners.…
5 Early Signs of Insurance Claim Problems
The bumps in the road that you can experience with an insurance claim as a homeowner are unmatched,…
What is the Difference Between Denied and Partially Denied Claims?
We often encounter clients who have experienced a loss and file an insurance claim. However, the outcome of…
Why Did My Insurance Company Change Adjusters On Me?
You expect your insurance company to be there for you when you need them most. But what happens…
What Do I Do If I Don’t Like The Insurance Company’s Initial Payout?
Accidents happen and property damage is an unfortunate reality of life. Whether it’s due to a hurricane, fire,…
Home Repair: 5 Things You Should Know Before Getting Started
Home repair can be a stressful thing to deal with, especially when you are faced with excessive damages…
What is My Homeowner’s Association Not Telling Me About Insurance?
There are numerous benefits that come with being a part of a homeowner’s association. This is why so…
Are You Getting the Runaround? Tips for Reaching Your Insurance Company
Insurance is meant to be a safety net, but for many homeowners, reaching your insurance company can feel…
Navigating the Aftermath of Disaster: What to Do When your Home is Too Damaged to Live In
Living in a hurricane-prone area can be stressful and dangerous. Natural disasters, such as earthquakes, floods, tornadoes, wildfires,…
Tired of Waiting? 3 Tips to Get Your Claim Approved Faster!
Dealing with insurance companies can be a headache for homeowners. Whether it’s filing a claim, seeking answers, or…
3 BIGGEST Insurance Company Tricks to Watch Out For After Property Damage
After Hurricane Ian in 2022, homeowners in Florida were devasted by property damage. Roof leaks, flooded homes, missing…
How To File An Insurance Claim: What You Don’t Know CAN Hurt You
Every year, around one in every twenty homeowners, file a property damage claim. Damages range from fire due…
Will My Home Insurance Premium Go Up If I File A Claim?
As homeowners grapple with skyrocketing home insurance premiums, a pressing question looms: is it worth it to file…
How to Get The Fastest Settlement after Hurricane Ian
If you are trying to get the fastest settlement after Hurricane Ian, there are a few tips and…
Everything You Need To Know About Hurricanes, Tropical Storms & Your Property Insurance
Hurricanes, tropical storms, and other severe weather events can be incredibly destructive, causing damage to homes, businesses, and…
Tired of Being Ignored? How to Get Your Insurance Company to Listen
Insurance is supposed to be there for us when we need it most, but all too often, homeowners…
Why is my Property Damage Claim Taking So Long to Process?
Experiencing property damage can be a stressful and overwhelming experience. Whether it’s from a hurricane, natural disaster, or…
Why is My Insurance Company Dragging Their Feet on My Property Damage Claim?
Homeowners invest a lot of money, time, and effort in maintaining their property and ensuring it is protected.…
The 3 Best Strategies for Connecting with Your Insurance Company
As a homeowner, it can be incredibly frustrating to try and connect with your insurance company. Whether you’re…
Ready to Throw in the Towel? 3 Tactics to Help You Settle Your Property Damage Claim For The Most Money!
Dealing with a property damage claim can be a stressful and overwhelming experience for homeowners. Whether it’s a…
I’m Dissatisfied With The Insurance Company’s Initial Payout: What Now?
If you’ve experienced property damage, whether it’s from a natural disaster like a hurricane or a fire, you…
Does My Insurance Cover an AC Leak?
Having an AC leak is far from a homeowner’s dream. In fact, having an AC leak is closer…
Hurricane Aftermath: 7 Shocking Effects on Florida’s Housing Market
With the 2022 hurricane season behind us and the 2023 hurricane season up ahead, experts are taking stock…
The 7 Forms of Hidden Damage after a Fire
A house fire is devastating for any family. There is the loss of the home, loss of precious…
Hail Damage How-To: Post-Storm Advice
If you’ve ever been outside during the spring and summer months and noticed dark, heavy clouds approaching, you…
Post-Fire Recovery: Your Next Steps
In 2018, there were an estimated half a million fires in residential buildings (homes and apartments) and commercial…
7 Things You Need to Know about Air Conditioning
Air conditioning in Florida is an essential. AC unit leaks are also one of the most common insurance…
Air Conditioner Leaking? 7 Easy Fixes
How can you tell if you have a problem with your air conditioner leaking? If it is, you’re…
Cast Iron Pipe Problems: Why They Need To Be Fixed
Cast Iron Pipe Breaks can cause health issues such as infections from backed-up sewage, pests, and mold. Unfixed…
Signs of Cast Iron Pipe Breaks
Homes built in the early 1940s and 1950s often used cast iron pipe for plumbing. However, it’s now…
Holiday Home Damage: Thanksgiving Edition
The holiday season is most commonly thought of as a positive time to spend with family and friends.…
Lightning Strike Damage: Storm Statistics
Over the years, lightning strike-related deaths have been on the decline. While this is a good thing, it…
Hurricane Damage: 17 Cities At Risk
Hurricane damage is a problem that no homeowner ever wants to deal with. Unfortunately, many areas throughout the…
Heat Damage: What To Expect
With summer temperatures worldwide ratcheting up into the upper 90’s and lower 100s, our homes are impacted by…
Earthquake (Not So) Central: Facts on Facts
Not many people realize that earthquakes occur several hundred times a day across the world. In the vast…
Unexpected Causes of House Fires
House fires are some of the biggest threats to homeowners because they can happen anywhere in the world…
What Does Wind Damage To My Home Look Like?
When it comes to owning a home, several things can go wrong. As a homeowner, it can be…
5 Kinds Of Home Damage Caused By Trees
Being a homeowner comes with its fair share of positives and negatives. While the freedoms that come with…
Looking Out For Lightning Damage
When the topic of home damage comes up, the causes that immediately come to mind are natural disasters…
11 Fall Home Maintenance Tips
Fall is one of the most desirable times of the year to perform maintenance and repairs on any…
Water Damage Claims: What Damage Gets Recognized
When it comes to home insurance claims, water is one of the most common causes of damage. As…
5 Things You Need To Know About Tornados
Though warning systems have improved in recent years, tornados can still occur with little to no notice across…
Halfway Through Hurricane Season: What You Need To Know
Now that we are more than halfway through the 2019 hurricane season on both sides of the country,…
The Best and Worst Prepared States For Natural Disasters
Each year, natural disasters kill tens of thousands of people around the world, and can have a challenging…
Brush Fires: What To Do If Your Home Is At Risk
Every year, vast amounts of land and dozens, if not hundreds, of home are destroyed by brush fires…
5 Things to Know About the 2019 Hurricane Season
It’s here, hurricane season 2019. It seems we can’t go a day (or even a few hours) without…
Hurricane Season 101: 9 Ways to Prep Your Home
In the United States, hurricane season officially kicked off on June 1 and runs through November 30. Already…
Making the Most of National Preparedness Month
Every September, FEMA launches a campaign geared towards the promotion of family and community disaster and emergency planning.…
Fire Risk in South Florida
The risk of fire can be one of the biggest concerns of homeowners and landowners across the United…
Houseboat Home Insurance: What Coverage Looks Like
Houseboating continues to be a popular way to combine living and a love of life. And many people…
Rubber Roofing in Hurricane Season: Pros and Cons
Rubber roofing is increasingly popular for homes with a roof pitch of less than four in 12. This…
Do You Have Mold Damage?
Whether your home is sealed air-tight or exposed to the fresh outdoors, there is a risk of mold…
Hidden Hurricane Damage: Where to Look
If you live in an area that goes through a ‘hurricane season’, then you know how devastating and…
Weathering Wind Damage: A Post-Storm Checklist
When it comes to living in storm-heavy areas, most homeowners underestimate the real extent of wind damage on…
General Contractor Courting: 5 Things To Look For
Living in storm-heavy areas can be difficult and frustrating. During the seasons when you expect natural disasters to…
Why You Need An Expert To Handle Mold Damage
Mold can be found pretty much anywhere as it is common in the air and grows on surfaces…
When to Hire a Public Adjuster for Mold Damage
Mold damage can be catastrophic and can happen almost anywhere. After the strike of a natural disaster, it…
5 Unexpected Dangers of Mold Damage
Many of those who suffer from mold in their house or workplace may not realize that there is…
7 Things That Can Spark A House Fire
House fires happen more frequently than we think in the United States. The majority of residential fires start…
Do You Have A Fire Prevention Plan?
Sadly, every year, one of our every 326 homes experiences a fire, and seven people die in house…
7 Easy Tips To Prevent Fires At Home
According to the National Fire Protection Association, between the years of 2012 – 2016 (the most recently measured…
Roofing Materials: 5 Things You Need to Know
What are 5 things you need to keep in mind when choosing roofing materials? There are a variety…
What is TPO roofing? Pros and Cons in South Florida
Pros and Cons of TPO roofing for your South Florida home Flat roofing continues to gain popularity…
Metal Roofing: The Pros and Cons
A great new renaissance has taken place over the past 10 years, reviving the metal roof. Metal roofing…
7 Tips For Picking A Roofing Contractor
As a homeowner, you can find yourself in a lot of tricky situations when it comes to insurance…
The 5 Most Environmentally Friendly Roofing Materials
Every day we are moving toward adapting to a more environmentally friendly lifestyle. Lots of households focus on…
Hurricane Season 101: What to Do After A Storm
The official Atlantic hurricane season kicked off on June 1, 2019, and is estimated to run through November 30. Globally,…
Hurricane Season 101: 4 Dos & 4 Don’ts of Hurricane Season
Now that we are in the midst of hurricane season, it is time to ensure we are adequately…
Hurricane Season 101: Preparing In 2019
The good news is that weather forecasters aren’t predicting 2019 to be the worst hurricane season ever. That…
Public Adjuster 101: Insurance Company Secrets
The Basics – What does a Public Adjuster Do? When it comes time to file an insurance claim,…
Public Adjuster 101: What is a Public Adjuster?
In a society where we all treasure the assets we work so hard for every day, it’s no…
Cleaning Your Air Conditioner in the Summer
The summer season has arrived and it’s the best time to think about cleaning your air conditioner to…
12 Tips for Water Damage Repair
Have you just moved into your new house and noticed your ceiling swelling up and the floor flooded…
Maintaining Your Air Conditioner: Keep Cool
Centrally placed air conditioners are vital, mainly in Southern summers where electronic fans usually can’t fight the scorching…
Roofing Companies & Hurricanes: What You Should Know
How can you protect your roof from hurricanes? A slow-moving force of powerful wind and endless rain that…
3 major reasons to not wait to call Bulldog Adjusters after hurricane damage
Have some hurricane damage to your home and not sure what to do? Maybe you’ve been so busy…
Think You Have NO Damage? Think Again. The 5 Most Common Unseen Damages from Hurricanes
Many homeowners don’t realize there are common unseen damages when it comes to roofs and suffering a hurricane.…
Are Florida Storms Getting Worse? A Historical and Economic Glance at the Effects of Florida Hurricanes
Are Florida storms getting worse? What has been the effect of Florida storms and hurricanes? Among having the…
Best Hurricane Practices for Floods
In Florida we talk a lot about best hurricane practices, but what are some of the best hurricane…
5 Ways to Avoid Mold this Hurricane Season
Among other things, homeowners must know how to avoid mold this hurricane season. Homeowners must be able to…
How Bad will This Hurricane Season be for Florida?
This hurricane season is underway and so far we’ve been pretty lucky in Florida. We’ve just entered April…
EF1 Tornado: What Kind of Damage can a Tornado Cause?
Most of us are prepared for hurricane season, but what about tornado damage? Tornado damage is common during…
You Could be Owed Thousands: 7 Shocking Home Insurance Claim Rip-offs
Home insurance claim rip-offs can happen. There are fraudulent agents, unscrupulous contractors and even company adjusters that can’t…
Myth Busters: Canadians Who Own Property in Florida Need Hurricane and Flood Insurance
Hearing a lot about hurricane and flood insurance lately? Hurricane and flood insurance seem to be the topic…
9 Facts Every Homeowner Needs to Know About Home Insurance Premiums
When it comes to home insurance premiums, most of us know we would like them to be less.…
Does Homeowners Insurance Cover AC Replacement?
AC replacement can be a significant expense for a homeowner. Especially in the warm summer months in the…
How Much does It Cost to Replace A Roof?
Is it about time to replace a roof? If you need to replace a roof you are probably…
How Much Does Fire Damage Cost
Fire damage cost is a real risk for homeowners. A home fire can start in several ways –…
What to do in case of pipe burst
Having a pipe burst in your home is no picnic. Water damage in your home is costly to…
Is Hidden Mold Making You Sick?
Mold grows easily and can be difficult to get rid of. Anywhere there is moisture there can be…
5 Signs You Have Mold In Your Home
Every home contains some mold and most of the time it doesn’t cause a problem. Most types of…
Home Damage From Hurricane Michael & How Hiring A Public Adjuster Saves You Thousands
If you have home damage from Hurricane Michael, hiring a public adjuster may be in your best interest.…
Roof or shingle damage? Fallen trees or wind damage? We can help.
Roof or shingle damage from a tornado? Fallen trees or wind damage? We can help.
The Anatomy of a Business Interruption Policy in 2019
A business interruption policy is a critical part of a business’s emergency plan. Many businesses have insurance policies…
Is My Diamond Necklace Covered? Luxury Items and What Content Is Covered
If you’re wondering what content is covered on your home insurance policy, you may be in for some…
How to Get Discounts on Your Home Insurance
Are you looking for discounts on your home insurance? As insurance costs rise, you may be looking for…
The Best Policy to Have for Mold or Sewage Backup problems
Having mold or sewage backup problems can be a homeowner’s worst nightmare. Mold or sewage back up problems…
13 Tips For Water Damage Repair
Water damage repair can take time, patience and diligence. Although it may seem like water damage repair shouldn’t…
Fire Damage Florida: How to Restore Your Home After A Fire
Even though Florida is surrounded by water, fire damage Florida does happen. During the state’s dry season, lightning…
How Much Does it Cost to Replace a Roof?
Are you wondering about roof replacement costs? Is the worry of roof replacement cost keeping you awake at…
Florida’s Insurance Commissioner vs. Public Adjuster. Who Can Help Me with My Denied Claim?
Are you wondering if you should contact a public adjuster or Florida’s Insurance Commissioner for help with a…
How To Prevent Water Damage
Preventing water damage in your home requires proper maintenance and diligence. Some water damage claims just can’t be…
9 Things You Should Do When You Find A Pipe Burst : How to Protect Your Pipes
Having a pipe burst in your home can be a downright scary experience. A pipe burst can also…
South Carolina Vs. North Carolina: Which State Has Better Hurricane Insurance Coverage?
Every state has different hurricane insurance coverage.
What Can A Public Adjuster Do In South Carolina & North Carolina after Hurricane Florence?
If after Hurricane Florence, you are considering hiring a public adjuster you probably want to know what they…