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The Mineo Salcedo Law Firm
Property Claim Help

Citizens v Mendoza

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
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Incredible Insurance Claim Stories

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

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
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Property Claim Law

EF-1 tornado touched down in Coconut Creek

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
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Insurance Claims Process Holding up Recovery of Cape Coral

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

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

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
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The Grinch Is Alive In Miami Gardens: Arrest Warrants Out

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
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The Grinch Is Alive In Miami Gardens: Arrest Warrants Out

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
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Citizens Seeks to Limit Coverage for Water Related Claims

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
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Citizens Seeks to Limit Coverage for Water Related Claims

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
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The Dangers of Using a Turkey Fryer

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
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The Dangers of Using a Turkey Fryer

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

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

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
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House damaged in Hurricane Andrew finally gets repaired

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
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House damaged in Hurricane Andrew finally gets repaired

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
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Citizens Uses Scare Tactics

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
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Citizens Uses Scare Tactics

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

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

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
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Summer’s Windstorms

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
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Dealing With Hail or Wind Damage

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
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Sinkhole in Concrete Road

Sinkhole opens up, shuts down traffic

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
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South Florida Concerns

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.
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Choosing The Right Homeowners Policy

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
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Choosing The Right Homeowners Policy

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
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Why Home Inventories Can Help With Your Claim Settlement

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
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Hillsborough Sinkhole

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.
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Flood Insurance Rates – FL

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”
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Drone Use & Home Insurance

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.
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Beyond Katrina: Lessons in Mitigation, Insurance and Community

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
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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

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
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Florida Drone Laws

Florida Drone Privacy Law Takes Flight

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
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Boy Gets Award

Boy Gets Award for Rescuing Man From Fire

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.
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Vacation Home of Dentist who Killed Cecil the Lion Vandalized

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
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Summer Flooding

Summer Flooding Causing Damage in Tampa Bay Area

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
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lobster mini-season in South Florida

Be Careful Out There

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

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
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South Florida Scientists Fear Mass Exodus

As Sea Level Rise Worsens South Florida Scientists Fear Mass Exodus

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.
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Insurance Companies Making a Fortune

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
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insured

Ensure that you are Insured

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
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Coverage on Your Property

Coverage on Your Property: Too Much or Too Little?

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
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Cameras Catch Teenage Vandalism

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
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Florida’s Growing Coastal Areas are at Risk

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
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United States District Court of the Southern District of Florida

The Duty to Defend an Insured

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
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PACE Financing

Homeowner Gets New Roof Thanks to PACE Financing

  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
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Contractors Win in Insurance Battle

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
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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

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
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hurricane wilma

Hurricane Wilma Damage Claim Resurfaces

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
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Florida Builders Making Structures More Hurricane-Resistant

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
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Protecting Yourself and Your Home – Understand Your Policy

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
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Homeowners Arrested on False Insurance Claims

Homeowners Arrested on False Insurance Claims

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

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
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Severe Thunderstorms Strike South Florida

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
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Tornado touches down in Florida

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
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South Florida Condominium Robberies

South Florida Condominium Robberies

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
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2015 Hurricane Season & Citizens Property Insurance Corp

2015 Hurricane Season & Citizens Property Insurance Corp

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
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Foreclosures in Florida 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
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The Mineo Salcedo Law Firm

Citizens Enters 2015 Hurricane Season with $7.5 billion in Surplus

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
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Preserving Your Case For Appeal

Tips For Preserving Your Case For Appeal

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

How water damage affects your home

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
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homeowners insurance claim Citizens

Florida’s Citizens Recovery Unit Increased Policyholder Refunds in 2014

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
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Continuous Seepage

Continuous Seepage

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
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Arson Constitutes Vandalism

Florida Appellate Court Affirms Holding that Arson Constitutes Vandalism

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
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House bill aims to curb contractor abuses by barring attorneys fees

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
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Sinkhole Litigation/Application Misrepresentation

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
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homeowners insurance claim Citizens

Tips for Filing a Homeowner’s Insurance Claim

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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