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On August 30, 2023, Hurricane Idalia made landfall along Florida’s Big Bend region as a Category 3 major hurricane. Bringing a storm surge of 4-6 feet above normal high tide, Hurricane Idalia was the most powerful hurricane to hit the Big Bend region in over a century. Early reports estimate that the damages from Hurricane Idalia could exceed $20 billion. If your home was damaged during Hurricane Idalia’s destructive path across the Sunshine State, you are likely counting on your homeowner’s insurance to cover the cost of repairing or replacing the damage. If you have questions about what your homeowner’s […]

Hurricane Ian barreled onto the southwest coast of Florida on September 28, 2022. After making landfall, Hurricane Ian headed northeast, passing over the Orlando area before eventually heading back into the Atlantic Ocean. Orange County officials estimate that Hurricane Ian caused over $200 million in damages throughout the county. If your home or property suffered damage during Hurricane Ian, you likely expected your insurance company to reimburse you for the cost of repairs or replacement in a timely manner. If, instead, your insurance company refuses to pay your claim, what can you do?   What Does a Typical Homeowner’s Insurance […]

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 […]

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 […]

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 […]

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 […]