Claims, coverage disputes, and carrier policy changes · 30 articles
Florida's property insurance market is showing early signs of stabilization in 2026, with several new carriers entering the market and Citizens Property Insurance reducing its policy count for the first time since 2020.
Three years after Florida eliminated assignment of benefits for property insurance claims, restoration contractors are adapting to a new claims landscape that has reduced litigation but complicated payment collection.
A growing chorus of restoration contractors is raising concerns that Verisk's Xactimate price lists are not keeping pace with actual labor and material costs, creating systematic underpayment in insurance claims.
Insurance carriers are deploying artificial intelligence and automation throughout the claims process, from first notice of loss to settlement. The technology is improving speed and efficiency but also raising concerns about fairness.
An annual review of your property insurance coverage is one of the most important steps you can take to protect your financial security. Here is a comprehensive checklist to guide the review.
The difference between actual cash value and replacement cost value coverage can mean tens of thousands of dollars in a property damage claim. Here is how depreciation is calculated and how to ensure you have adequate coverage.
The National Flood Insurance Program is no longer the only option for flood coverage. Private flood insurance has grown significantly and may offer better coverage, lower premiums, or higher limits for some properties.
Supplementing an insurance claim — requesting additional payment for costs not included in the initial estimate — is a legitimate and necessary part of the restoration process. Here is how to do it effectively.
A public adjuster is a licensed professional who represents policyholders — not insurance carriers — in the claims process. Here is a comprehensive guide to when hiring a public adjuster makes sense and what to expect.
Florida's 2023 assignment of benefits reform was intended to reduce the litigation that had been driving up homeowner insurance costs. Two years later, the results are mixed — some metrics have improved, but premiums remain elevated.
Insurance bad faith occurs when a carrier unreasonably denies, delays, or underpays a valid claim. Here is what constitutes bad faith, how to document it, and what legal remedies are available to policyholders.
Homeowner insurance premiums increased an average of 18 percent in 2026, with the steepest increases in Florida, California, Texas, and Louisiana — states that have experienced the highest catastrophe losses in recent years.
When a homeowner and their insurance carrier cannot agree on the value of a claim, the appraisal process provides a structured mechanism for resolving the dispute without litigation. Here is how it works.
Insurance carriers are deploying AI to process claims faster and more consistently, with implications for how restoration contractors document their work and negotiate scope and pricing.
The National Flood Insurance Program faces another reauthorization deadline in 2026, with competing proposals for reform that could significantly change how flood damage claims are processed and paid.
State insurance regulators and consumer advocacy groups are renewing warnings about contractor fraud following major disaster events, as fraudulent operators continue to target vulnerable homeowners.
Under Florida's 2025 insurance reform law, insurers can void policies for roofs over 15 years old that lack certification, creating new challenges for homeowners and restoration contractors.
Florida is considering a significant shift in its insurance system beginning July 1, 2026, moving from a no-fault to a fault-based liability system — a change with potential implications for property damage claims.
Florida's insurance reform legislation has significantly limited the ability of restoration contractors to accept assignments of insurance benefits from homeowners, changing how claims are processed in the state.
Allianz, Liberty Mutual, and other major insurance carriers are checking ESG credentials before partnering with restoration contractors, creating new compliance requirements for the industry.
Insurance carrier preferred vendor programs continue to evolve in 2026, with carriers tightening qualification requirements and expanding performance monitoring for network contractors.
Insurance carriers are repricing or withdrawing coverage in high-disaster states as climate risk models are updated, creating coverage gaps that affect homeowners and restoration contractors alike.
A 2025 J.D. Power study found that nearly half of American homeowners experienced insurance premium increases, with significant implications for how they respond to property damage events.
Florida's property insurance market is showing early signs of stabilization in 2026, with several new carriers entering the market and Citizens Property Insurance reducing its policy count for the first time since 2020.
A growing chorus of restoration contractors is raising concerns that Verisk's Xactimate price lists are not keeping pace with actual labor and material costs, creating systematic underpayment in insurance claims.
Three years after Florida eliminated assignment of benefits for property insurance claims, restoration contractors are adapting to a new claims landscape that has reduced litigation but complicated payment collection.
Insurance bad faith occurs when a carrier unreasonably denies, delays, or underpays a valid claim. Here is what constitutes bad faith, how to document it, and what legal remedies are available to policyholders.
Supplementing an insurance claim — requesting additional payment for costs not included in the initial estimate — is a legitimate and necessary part of the restoration process. Here is how to do it effectively.
The National Flood Insurance Program is no longer the only option for flood coverage. Private flood insurance has grown significantly and may offer better coverage, lower premiums, or higher limits for some properties.
A public adjuster is a licensed professional who represents policyholders — not insurance carriers — in the claims process. Here is a comprehensive guide to when hiring a public adjuster makes sense and what to expect.
