November 23, 2022

What Hurricane Ian Damage Should My Insurance Policy Cover?

On September 28, 2022, Hurricane Ian made landfall along the southwest coast of Florida as a Category 5 hurricane. Ian’s 18-foot storm surge, winds in excess of 155 m.p.h, and torrential rainfall caused catastrophic and historic damage to homes and businesses. If your home or business was damaged during Hurricane Ian, you undoubtedly want to know what damage your insurance policy will cover.   What Hurricane Damage Does Homeowner’s Insurance Typically Cover? The average homeowner doesn’t read through the fine print when they purchase an insurance policy. Unfortunately, that means that when a storm like Hurricane Ian hits, causing devastating […]
November 14, 2022

How To File a Hurricane Ian Insurance Claim in Florida

Hurricane Ian made landfall on Wednesday, September 28th along the southwest coast of Florida. Ian then headed northeast, hovering over the state for two days before heading back out into the Atlantic Ocean. Along with over 100 deaths, Hurricane Ian was responsible for catastrophic devastation and destruction to homes and businesses throughout the State of Florida. If your property was damaged because of Hurricane Ian, you undoubtedly expect your insurance company to reimburse you in full and within a reasonable amount of time. To make sure that happens, it helps to know how to file a Hurricane Ian insurance claim […]
October 4, 2022

Recovering from Hurricane Ian

Although the beginning of the 2022 Atlantic Hurricane Season was unusually uneventful, Hurricane Ian more than made up for it when it blew ashore on September 28th as a Category 4 hurricane. If you were in the path of Hurricane Ian, your home and/or business may have suffered significant damage. You may even be temporarily displaced because your home was rendered uninhabitable. Knowing where to turn for help and what steps to take is crucial to recovering financially and emotionally. The Destructive Force of Hurricane Ian Florida residents are accustomed to preparing for hurricane season each year; however, as the […]
July 8, 2022

New Florida Law Could Help Homeowners Get Covered for Roof Damage

Earlier this year, Florida was facing what can only be described as an “insurance crisis.” Millions of homeowners were faced with skyrocketing premiums, cancellation notices, and a rapidly shrinking market of insurance companies willing to write policies. The good news is that recently passed legislation offers some relief for homeowners who need to purchase roof damage coverage as well as those with a roof damage claim.   Why Was Insurance Legislation Needed? By the beginning of 2022, the property insurance market in Florida was in serious financial trouble. Private insurers were showing net losses in the billions of dollars. While […]
May 25, 2022

Prepare for the 2022 Hurricane Season by Reviewing Your Insurance Policy

As a Florida property owner, you have undoubtedly been warned about the importance of properly preparing for the Atlantic hurricane season each year. The focus of these advisories, however, is likely on things such as stocking up on water and canned goods, purchasing a generator and doing what you can to protect your property when a storm is imminent. One thing that is often overlooked is the importance of reviewing your insurance policy. At Malik Law, we understand the extent of the damage tropical storms and hurricanes cause each year in Florida. We also know how frequently Orlando property owners […]
April 11, 2022

What to Do When Your Florida Roof Claim is Underpaid

As a Florida property owner, you have undoubtedly purchased insurance to protect your investment from damage or loss caused by the powerful storms that ravage the state each year during the Atlantic hurricane season. If you filed a claim after suffering roof damage, you understandably expect your insurance company to pay that claim in full. If, instead, your claim is underpaid, what can you do? The good news is that if your insurance company fails to fully compensate you for a roof damage claim, there are steps you can take to get your claim paid in full.   Why Was […]
March 14, 2022

Do I Need a Lawyer to Help Get My Florida Business Insurance Claim Paid?

If you own a business, you likely purchased business insurance to protect your financial investment. You paid your premiums on time and now find yourself turning to your insurance company for help because you suffered a loss; however, the claim is delayed, denied, or otherwise in dispute. Do you need a lawyer to help get your Florida business insurance claim paid? Unfortunately, it is not uncommon to run into a problem when you file a business insurance claim. If your business insurance claim has not been processed in a reasonable amount of time, has been denied outright, or you do […]
December 21, 2021

Reflections on the 2021 Hurricane Season from a Florida Insurance Claim Attorney

2021 is a year that will be remembered by all of us for several reasons. Along with the Covid-19 pandemic and social/political unrest, those of us in Florida also experienced yet another unusually active Atlantic hurricane season. In fact, experts tell us that the 2021 hurricane season may not have been unusual. Instead, it may be the new norm. For Florida property owners, understanding the threats posed by the hurricane season, as well as how to ensure that a hurricane damage claim is paid in full and without delay, is critical to protecting your family and your financial investment. At […]
November 1, 2021

How to File an Insurance Claim in Florida

Whether you purchased and insurance policy for your home, your vehicle, or your business, you did so to protect your investment in the event of damage or loss. After paying your premiums as required, you expect your insurance company to compensate you according to the terms of your policy if you file a claim. Unfortunately, delays, denials, and underpayments of insurance claims are all too common. At Malik Law, we understand how stressful it can be to try and navigate the insurance claims process while also dealing with the practical ramifications of the damage or loss that prompted that claim. […]
October 13, 2021

5 Steps to Take If Your Storm Damage Insurance Claim Is Underpaid

Florida’s homeowners enjoy beautiful weather most of the year; however, during the Atlantic hurricane season homeowners also brace for powerful and potentially destructive storms. If your home or property suffered damage during one of these storms, you understandably expect your homeowner’s insurance company to reimburse you for the full extent of your losses. Sometimes, however, that does not happen. If your storm damage insurance claim is underpaid, there are steps you should take to ensure that the claim is paid in full. Why Might Your Storm Damage Insurance Claim Be Underpaid? When you pay your homeowner’s insurance premiums you do […]