Congratulation to Rick Tutwiler, who was presented the 7th Annual WIND Presidential Recognition Award at the Windstorm Insurance Network Conference in Orlando, Fl. The award was established to recognize annually a member who has contributed significant knowledge, service and leadership to better the Windstorm Insurance Network (WIND). Rick was also elected as the 2016 Secretary of the WIND Board of…
This is the time of year to reflect on our activities and share some of our most popular blogs. We started the year with Winter Storm Juno and the record snow and ice that brought ice dams and pipe bursts. Will we see a repeat in 2016? While we are now 10 years without a…
A strip center in Tampa’s historic Ybor City caught fire destroying half of the building, a retail/manufacturing business and damaged the other section of the building rented to another tenant. The cause and origin of the fire was not suspicious, thus all the property owners needed to do was seemingly settle the claim with their…
For those who do have flood insurance, we encourage you to review and pay close attention to your flood policy’s terms and conditions. The policies issued by the National Flood Insurance Program (NFIP) are unique because they fall under a Federal Government program with its own rules and regulations. As an example, the NFIP policy…
If your home was severely damaged from the recent Tampa Bay flooding to the extent that it is uninhabitable to live in, your insurance policy may provide a coverage called “Additional Living Expense” or “A.L.E.” Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of the same…
The no name storm in Tampa has caused widespread water and flood damage in the St. Petersburg and Tampa area. Now that cleanup has begun, many residential and commercial policyholders will submit either a flood (if you have flood insurance) or water damage insurance claim. Make sure you understand the difference between the two before…
Summer is the time of the year when lightning can cause severe damage or even destroy your property. No surprises to folks in Florida, as they know we are widely regarded as the lightning capital of the U.S. The raising heat over the Florida peninsula pulling in the cooler sea breeze later in the day…
On February 28, 2013 a massive fire broke-out in this upscale waterfront home located in Tierra Verde, Florida burning off the roof and causing significant fire, water, and smoke damage to the rest of the building structure, custom furniture, and personal belongings. As is typical with all fires, which become public record when the fire…
Smoke from fire is like an anesthetic. Rather than awakening you, it will put you into a deep sleep. And a little known fact is that most fire deaths occur during the night, with most perishing due to smoke inhalation, not fire. A recent fire in Tampa where a mother and daughter perished due to…
As we’ve reported to you on this blog, Citizens Insurance of Florida is allow by the legislature to play by different rules. For example, they are exempt from bad faith laws that other private insurance companies must follow. That sometimes means it allows them to act in ways that are not in the best interest…