Property Claim Help - The Mineo Salcedo Law Firm

Citizens v Mendoza

July 10, 2018

On July 5, 2018 the Fourth District Court of Appeal reversed a judgment entered at trial in favor of the insureds, Risbel Mendoza and Vicente Jubes. The case involved a

Incredible Insurance Claim Stories

February 10, 2016

Insurance claims stories seems to make news headlines nearly everyday, which is no surprise, as 1 in 15 homeowners make a claim each year, according the Huffington Post. Given the

8-year-old attempts armed robbery at West Palm store

February 10, 2016

An eight-year-old boy remains in police custody after attempting to rob a local convenience store at gunpoint, in West Palm Beach. The boy rode his bike to the store and

EF-1 tornado touched down in Coconut Creek

February 5, 2016

EF-1 tornado touched down in Coconut Creek It is believed a tornado touched down in several areas throughout Broward County January 27, 2016, causing significant damage. While each of the

Insurance Claims Process Holding up Recovery of Cape Coral

January 18, 2016

As the city of Cape Coral begins coming to terms with the loss and damage of their belongings and homes, many residents are growing frustrated of not being able to

Insurance Rates Still Rising In Spite of A Decade of Zero Hurricanes! Why?

December 23, 2015

The hurricane season has ended and in Florida, this means a decade of zero hurricanes in spite of the fact that the country has had a few devastating hurricanes since

Insurance Rates Still Rising In Spite of A Decade of Zero Hurricanes! Why?

December 23, 2015

The hurricane season has ended and in Florida, this means a decade of zero hurricanes in spite of the fact that the country has had a few devastating hurricanes since

The Grinch Is Alive In Miami Gardens: Arrest Warrants Out

December 23, 2015

The 1957 children’s classic from Dr. Seuss, “How The Grinch Stole Christmas” has heartbreakingly happened in Miami Gardens. Four men broke into a home and stole all the presents under

The Grinch Is Alive In Miami Gardens: Arrest Warrants Out

December 23, 2015

The 1957 children’s classic from Dr. Seuss, “How The Grinch Stole Christmas” has heartbreakingly happened in Miami Gardens. Four men broke into a home and stole all the presents under

Citizens Seeks to Limit Coverage for Water Related Claims

December 12, 2015

Citizens Property Insurance Corporation’s Board of Governors on Wednesday approved a slate of policy changes to bolster oversight of water loss claims while continuing to protect policyholders who need immediate

Citizens Seeks to Limit Coverage for Water Related Claims

December 12, 2015

The Dangers of Using a Turkey Fryer

November 25, 2015

Miami-Dade Fire Rescue joined Broward Sherriff’s Fire Rescue to host a demonstration on how to safely deep fry a turkey this Thanksgiving holiday. The event was held on Monday November

The Dangers of Using a Turkey Fryer

November 25, 2015

Miami-Dade Fire Rescue joined Broward Sherriff’s Fire Rescue to host a demonstration on how to safely deep fry a turkey this Thanksgiving holiday. The event was held on Monday November

It’s official: This is the biggest El Niño on record, and a killer La Niña is coming

November 20, 2015

On Wednesday morning, NOAA released its data for the Pacific Ocean temperatures for the week of November 9. We hit a record — the current El Niño is the strongest in

It’s official: This is the biggest El Niño on record, and a killer La Niña is coming

November 20, 2015

On Wednesday morning, NOAA released its data for the Pacific Ocean temperatures for the week of November 9. We hit a record — the current El Niño is the strongest in

House damaged in Hurricane Andrew finally gets repaired

November 18, 2015

SOUTHWEST MIAMI-DADE, Fla. (WSVN) — A house damaged in Hurricane Andrew is finally being repaired over 20 yeas later. After two decades, Ileana Garcia is finally getting her roof repaired

House damaged in Hurricane Andrew finally gets repaired

November 18, 2015

SOUTHWEST MIAMI-DADE, Fla. (WSVN) — A house damaged in Hurricane Andrew is finally being repaired over 20 yeas later. After two decades, Ileana Garcia is finally getting her roof repaired

Citizens Uses Scare Tactics

November 10, 2015

The role of the State government as a property insurer is continuing to decrease. Since 2012, Citizens Property Insurance has passed off more than 1 million property insurance policies to

Citizens Uses Scare Tactics

November 10, 2015

The role of the State government as a property insurer is continuing to decrease. Since 2012, Citizens Property Insurance has passed off more than 1 million property insurance policies to

Florida insurer’s appeal, over assignment of benefits, rejected by court

November 3, 2015

An appeals court Monday pointedly said it is up to state lawmakers — not the court system — to tackle a controversial issue in the insurance industry known as “assignment

Florida Man Arrested for Stealing Nearly $100,000 in Insurance Claims from Elderly Hurricane Sandy Victims

October 31, 2015

The Florida Division of Insurance Fraud announced this month the arrest of a Naples, Florida man, Daniel T. Phelps. Phelps allegedly stole two insurance claim payments totaling over $96,000 from

Summer’s Windstorms

October 16, 2015

Just this past summer several powerful windstorms have hit several areas in Florida. These storms have been strong enough to damage shingles and tear off roofs. As advocates for policy

Dealing With Hail or Wind Damage

October 16, 2015

Properties in Florida have a greater propensity to have roof damage from wind or hall. If you have lived in Florida for several years, you may have experienced storms that

Sinkhole opens up, shuts down traffic

October 10, 2015

On Monday, October 5th, one of the busiest roads in Miami was reopened, about eight hours after a sinkhole opened and caused major traffic delays, making the evening commute, increasingly

South Florida Concerns

October 7, 2015

Tropical Storm Erika was treated as a breeze for South Florida. However, it was an effective practice drill for the community. Tropical Storm Erika teased South Florida for several days.

Choosing The Right Homeowners Policy

October 2, 2015

Knowing what insurance policy to purchase can be quite a task if you are unfamiliar with the market. As one of the largest assets Americans own, it is recommended that

Choosing The Right Homeowners Policy

October 2, 2015

Knowing what insurance policy to purchase can be quite a task if you are unfamiliar with the market. As one of the largest assets Americans own, it is recommended that

Why Home Inventories Can Help With Your Claim Settlement

September 15, 2015

Natural disasters can strike us at any time. Homeowners can insure they are best prepared by documenting their home inventories. Home inventories are detailed list of household and personal belongings

Hillsborough Sinkhole

September 11, 2015

Just last month, Hillsborough County gave two Valirco families three minutes to get out of their homes. This is shortly, after a 6- foot deep sinkhole opened between their homes.

Flood Insurance Rates – FL

September 11, 2015

Kevin McCarty, Florida Insurance Commissioner and top regulator voiced his concern over federal flood insurance rates in a letter to state Senator Jeff Brandes. McCarty stated they were “unfairly discriminatory”

Drone Use & Home Insurance

September 11, 2015

The Consumer Electronics Association is estimating that consumer drone purchases will have a 50% increase in sales this year, meaning there will be an additional 300,000 drones in the skies.

Beyond Katrina: Lessons in Mitigation, Insurance and Community

August 24, 2015

Source: http://www.insurancejournal.com/news/national/2015/08/21/379241.htm Among the lessons to be learned from Hurricane Katrina are that communities and all stakeholders should prioritize flooding as the greatest risk, devote more resources to preventive measures

A new survey found that less than one-third (29 percent) of insurance customers are satisfied with their current providers.

Most Insurance Customers Not Happy with Provider

August 7, 2015

A new survey found that less than one-third (29%) of insurance customers are satisfied with their current providers. At the same time, the number of customers who believe that most

Florida Drone Privacy Law Takes Flight

August 7, 2015

The Freedom from Unwarranted Surveillance Act (FUSA), which took effect in Florida July 1, prohibits a person, state agency or political subdivision from using a drone to capture an image

Boy Gets Award for Rescuing Man From Fire

August 6, 2015

Twelve-year-old Jaheem Horn is prepping for his return to school, and though he may look like an average junior high student, the Miami Police Department is hailing him a hero.

Vacation Home of Dentist who Killed Cecil the Lion Vandalized

August 6, 2015

Police in southwest Florida say vandals spray painted the words “lion killer” on the garage door of the vacation home owned by a Minnesota dentist who has been identified as

Summer Flooding Causing Damage in Tampa Bay Area

August 6, 2015

Summer Flooding has caused damage and evacuations in Tampa Bay Area this year. The floods have forced some road closings and evacuations which have delayed airline flights. At Tampa International

Be Careful Out There

July 29, 2015

It’s lobster mini-season in South Florida! Thousands of divers in South Florida will don masks and fins in search for spiny lobsters. But the popular sport-diving days can also be

Miami Insurance Agent Arrested for Stealing More Than $80,000 From Clients

July 27, 2015

Mandy Rodriguez, 35, was arrested on felony fraud and grand theft charges after an investigation revealed that Rodriguez, a licensed insurance agent, stole more than $80,000 in premium funds from

As Sea Level Rise Worsens South Florida Scientists Fear Mass Exodus

July 22, 2015

South Florida residents are planning to spend billions on revamping infrastructure as the seas continue to rise. Many scientists believe the sea level rise will lead to another phenomenon in South Florida.

Insurance Companies Making a Fortune

July 22, 2015

As you may have noticed, several new insurance companies have been entering the market recently. Some Florida insurance companies are so new that they do not even have a sign

Ensure that you are Insured

July 17, 2015

Making sure your home is properly insured is vital when living in Florida. Floridians have become complacent because of the decade-long hurricane draught, but it is essential to make sure

Coverage on Your Property: Too Much or Too Little?

July 13, 2015

Being safer rather than sorry holds true when it comes to your homeowner’s insurance policy. The annual premium price difference between a standard policy and a specialized policy may only

Cameras Catch Teenage Vandalism

June 27, 2015

Hollywood Police just released surveillance footage of three teens vandalizing Chaminade Madonna College Preparatory School. The teens broke into the school during summer break and cameras caught the teens ripping

Florida’s Growing Coastal Areas are at Risk

June 18, 2015

With Florida’s population and development growing at a rapid rate in the past 10 years along the coast line, Florida’s vulnerability to horrific damage has increased immensely. Hurricane season is

United States District Court of the Southern District of Florida

The Duty to Defend an Insured

June 18, 2015

After a Florida insurance company argued several policy exclusions in order to avoid a duty to defend an insured, the United States District Court of the Southern District of Florida

Homeowner Gets New Roof Thanks to PACE Financing

June 11, 2015

Marie Roseme, who has been living in the Woodlands Country Club for four years and the City of Tamarac for 11, is a home healthcare nurse and single mother

Contractors Win in Insurance Battle

June 11, 2015

A South Florida appeals court sided with contractors that sought payment from insurance companies. In three high-profile cases from Palm Beach County, the 4th District Court of Appeal ruled against

If you are a ridesharing driver in certain states, you no longer have anything to hide from your insurer

Insurance Rules Changing for Ridesharing Drivers

June 11, 2015

In many states, insurance is still a stumbling block. If you are a ridesharing driver in certain states, you no longer have anything to hide from your insurer and are

Hurricane Wilma Damage Claim Resurfaces

June 11, 2015

More than three years after Hurricane Wilma hammered South Florida in October 2005, an appeals court has ordered a new trial to dispute Citizens Property Insurance Corp.’s decision to deny

Florida Builders Making Structures More Hurricane-Resistant

May 31, 2015

Florida’s coastal communities have added an additional 1.5 million people and almost a half-million new houses since eight hurricanes whipped through Florida during back-to-back seasons a decade ago. The damage resulted

Protecting Yourself and Your Home – Understand Your Policy

May 31, 2015

Damage that may occur during storms will attract people to offer to assess the damage. Make sure they are a reputable source. Watch this report for more information. video platformvideo managementvideo

Homeowners Arrested on False Insurance Claims

May 25, 2015

31 people have been arrested after being held responsible for filing false insurance claims. The claims include 20 fires and 5 water damage cases, all totaling over $14 million in

3 Things to do When Speaking to Your Insurance Company About Your Claim

May 14, 2015

When disaster strikes, generally people are completely distracted when it comes time to file an Insurance claim. After a disrupting incident, like a fire or plumbing leak, it is difficult to

Severe Thunderstorms Strike South Florida

April 30, 2015

On Monday, April 27, 2015, a severe thunderstorm for Southeastern Broward County and Northeastern Miami-Dade County let to flooded streets, quarter-sized hail and lightning. In North Miami, strong gusts of

Tornado touches down in Florida

April 26, 2015

Authorities have confirmed that a tornado touched down near Ocala, Florida last week, causing sever damage to dozens of homes. Luckily, no injuries were reported but at least half a

South Florida Condominium Robberies

April 23, 2015

A series of South Florida Condominium Robberies committed by the same group of subjects has an estimated combined monetary loss of $2.5 million. The crimes are being investigated be three different

2015 Hurricane Season & Citizens Property Insurance Corp

April 20, 2015

Researchers predict the 2015 Hurricane Season will be a mild one. They are predicting only 7 storms, compared with the 30-year average of 12. It is also predicted that three of

Foreclosures in Florida 2015

April 2, 2015

There’s good news and there’s bad news. The good news is Florida’s foreclosure activity has declined by more then a third from a year ago. The bad news is

Citizens Enters 2015 Hurricane Season with $7.5 billion in Surplus

March 13, 2015

In September of 2014, the Citizens Property Insurance Corp. decided to put an end to an Citizens assessment allocated to pay-off a bond issued by Citizens, a property insurer backed

Tips For Preserving Your Case For Appeal

March 5, 2015

Practice Management Appellate review differs significantly from litigation. Statistically, appeals stem from receiving the most undesirable outcome for a client. Appealing from a trial court decision can be daunting and

When a flood enters your home contact us about Homeowner's Insurance Claims

How water damage affects your home

March 1, 2015

If your house was hit by a flood, it is important to learn how water damage affects your home. Within Minutes: Water contamination spreads to additional areas, increasing the expense of

Florida’s Citizens Recovery Unit Increased Policyholder Refunds in 2014

February 23, 2015

Citizens Property Insurance Corp. reports it returned nearly $310,000 in refunds to affected policyholders in 2014 as part of its efforts to recover claims payments of $4.9 million by pursuing

Continuous Seepage

February 18, 2015

One of the most common claims filed by homeowners in Florida involves water damage. Water damage can have several causes, including but not limited to plumbing leaks, roof leaks, drain

Florida Appellate Court Affirms Holding that Arson Constitutes Vandalism

February 12, 2015

An incendiary fire destroyed a home that had been vacant for more than thirty days. The carrier denied the claim under the policy’s vacancy exclusion that excluded damage caused by

House bill aims to curb contractor abuses by barring attorneys fees

February 12, 2015

Attorneys would not be able to collect fees if they sued insurance companies on behalf of a repair contractor or other third party to an insurance contract, if a proposed

Sinkhole Litigation/Application Misrepresentation

January 29, 2015

Sinkhole Litigation/Application Misrepresentation: trial court improperly granted summary judgment in insurer’s favor rescinding insurance policy on the basis that homeowners misrepresented condition of home in application because of the limited evidence

Tips for Filing a Homeowner’s Insurance Claim

January 28, 2015

Most Florida homeowners have an insurance policy to protect their home against water damage, storm damage, vandalism, theft and fire. When a loss occurs, your insurance policy should allow you

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