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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 […]

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 […]

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. […]

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 […]

When you purchase an insurance policy and pay your premiums on time you do so with the expectation that if you ever need to file a claim will be paid without dispute. Remember, however, that you remember your insurance company is in the business of making a profit. Consequently, they will often look for a reason to deny, delay, or underpay a claim.   Problems You Might Encounter When Trying to Settle an Insurance Claim After filing an insurance claim, you could encounter a variety of problems with your insurer that cause your claim to be denied, delayed, or underpaid, […]