Author Archives: Jay Butchko
Can a Homeowners’ Association (HOA) Prohibit Rentals?
If you own a condo or home but want to rent it out to earn some passive income, you may be wondering, “Can my homeowners’ association (HOA) prohibit or restrict rentals?” The short answer is, “Yes.” A homeowners’ association can prohibit or restrict rentals. For example, many HOAs in Florida limit the number of… Read More »
What is a Homeowners’ Insurance Appraisal and How Does It Work?
You most likely had your home appraised before purchasing it. However, home purchase appraisal and insurance appraisal is not the same thing. If you are trying to determine how much your homeowners’ insurance company owes you through the appraisal process, do not hesitate to contact an experienced Sarasota homeowners’ insurance attorney to ensure that… Read More »
My Homeowners’ Insurance Company Requests a Sworn Proof of Loss (SPOL): What Is It and What Should I Do?
If your homeowners’ insurance company requests a Sworn Proof of Loss, commonly referred to as SPOL, after you file a claim, you may not know how to respond because you don’t know what SPOL is. Submitting a Sworn Proof of Loss, or SPOL, is a fundamental part of the homeowners’ insurance claims process. When… Read More »
When Is It Time to Contact a Florida Hurricane Insurance Attorney?
Homeowners and commercial property owners in Florida know what it’s like to suffer from hurricane damage, tropical storms, and other acts of Mother Nature. Many of them also know that getting compensated for the damages through their hurricane insurance is a tedious process. Unfortunately, Floridians are no strangers to dealing with uncooperative insurance adjusters… Read More »
What to Do When Your Homeowners’ Insurance Claim is Denied in Florida?
If you carry homeowners’ insurance, you probably expect your insurer to pay for any covered damages to your property, including fire, theft, wind, flood, and others. However, you may be surprised to find out that your homeowners’ insurance claim has been denied. What should you do when your insurance company denies your homeowners’ insurance… Read More »
5 Tips to Maximize Your Hurricane Insurance Claim Settlement in Florida
The State of Florida is no stranger to hurricanes that leave behind a path of destruction. Catastrophic storm surges and extreme winds and flooding can cause millions or billions of dollars in property damage. If you are a homeowner who has suffered extensive property damage due to a hurricane, there are things you can… Read More »
How to Resolve Disputes Over Yard Signs Between Homeowners and HOAs?
Many homeowners choose to put signs in their yards to express their political views or opinions on controversial issues. While the U.S. Constitution protects freedom of speech, homeowners who display or place controversial yard signs in their yard may get into disputes with their homeowners’ associations (HOAs). Who’s Right in Yard Sign Disputes Between… Read More »
What is Covered Under Business Interruption Insurance in Florida?
If you are like most business owners, you will do all it takes to protect your business at all costs. However, under certain circumstances, you may be unable to protect your business from unexpected events such as a natural disaster or pandemic. Every business owner must consider purchasing business interruption insurance to protect their… Read More »
Can a Homeowners’ Association (HOA) Deny a Potential Buyer or Renter in Florida?
The board of directors of a Homeowners’ Association (HOA) is elected by the residents of the community. An HOA is a governing body that makes and enforces many rules that impact the entire community. One of the HOA’s duties is to protect the value of its residents’ homes. But what about denying buyers or… Read More »
5 Things to Avoid During the Hurricane Insurance Claims Process in Florida
Florida is no stranger to hurricanes and storms, especially during the months of September and October. Unsurprisingly, Florida is also the third most expensive state for homeowners’ insurance coverage. According to Insurance.com, Florida’s average home insurance rate is nearly $1,338 higher than the national average. Just because your homeowners’ insurance policy covers damages caused… Read More »
