proof of loss

Policyholder Question – Is a Vacation Home Entitled to Additional Living Expenses (ALE)?

by Charles R. Tutwiler on 12/5/2019

Q. If the home is a vacation home that is destroyed, are we entitled to ALE? The ALE coverage on the loss statement they sent us says zero but we are going to have to incur multiple airline trips and rental bills in order to set up demolition and then the complete rebuilding of our home. Hope you can help with this information.

A. Thank you for the question and just so you know this is a frequent problem for owners of second homes when there is a loss they must attend to.

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Hurricane Michael Policyholders Begin to Learn How Law & Ordinance Coverage Will Impact Their Insurance Claim

by Charles R. Tutwiler on 12/27/2018

A lot of properties that experienced Hurricane Michael losses are starting to have Law & Ordinance issues. Law & Ordinance kicks in when the Florida and local building code requirements impact what will be required in order to obtain a CO (Certificate of Occupancy) in order to reoccupy the damaged structure. It is a separate coverage in your policy that you must elect and covers some of the cost of required code upgrades. If your property (be it commercial or residential) suffers a loss where the cost of repairs is greater than 50% of the pre-loss value of the real property, your repairs must incorporate current building code upgrades.

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Hurricane Damage

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Proof of Loss Property Insurance Claim Requirements in Florida

by Charles R. Tutwiler on 9/11/2014

A recent opinion of Florida’s Fourth District Court of Appeals involving a Hurricane Wilma homeowner’s claim has a rather startling decision, and not a good one for the policyholder side. The case Hunt v. State Farm highlights the need for policyholders to pay close attention to their claim, their insurance policy language and any communication they receive from their insurance company. This is particularly true given the results of this case on the requirement to file a proof of loss.
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Policyholder Question – Is a Vacation Home Entitled to Additional Living Expenses (ALE)?

Hurricane Michael Policyholders Begin to Learn How Law & Ordinance Coverage Will Impact Their Insurance Claim

Proof of Loss Property Insurance Claim Requirements in Florida

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