Blog - Boggs Law

January 12, 2026

What Florida’s New Insurance Laws Mean for 2026

Florida’s new insurance laws for 2026 are now taking effect, bringing important changes to how property insurance claims are handled across the state. Passed during the 2025 legislative session, these updates may directly impact Florida homeowners, as well as HOAs and COAs, when dealing with denied, delayed, or undervalued insurance claims. Understanding how these new laws affect claim resolution, roof-related coverage, and insurer obligations is critical as we move into 2026.

December 10, 2025

Roof Inspections & Insurance Renewals in Florida

Regular roof inspections aren’t just about maintenance, they can protect your insurance coverage, prevent claim denials, and save you money.

For Florida homeowners, the roof over your head does more than keep out the rain, it plays a major role in your home insurance coverage.

Many insurance companies now require proof of roof condition before renewing or issuing a policy. If your roof is too old or shows damage, you could face higher premiums, policy nonrenewal, or even outright denial of coverage.

But a little proactive attention can make a big difference. Here’s how regular roof inspections can help protect your home, your claim, and your wallet.

November 10, 2025

Florida’s Home Insurance Market Shows New Promise

The home-insurance climate in Florida is showing promising signs of change: new carriers are entering the market and regulatory reforms are slowly shifting conditions. However, for many homeowners the benefits are still emerging and important risks remain. At Boggs Law Group, we’re committed to helping Florida homeowners understand exactly what these developments mean for their insurance coverage and property protection.

October 1, 2025

Protect Your Claim: Avoid Unlicensed Contractors After Storms

After a major storm, homeowners are often eager to repair their property quickly. Unfortunately, this urgency creates an opening for unlicensed or fraudulent contractors who promise fast fixes but end up causing bigger problems. Beyond poor workmanship, hiring an unlicensed contractor can put your insurance claim and legal rights at risk.

September 10, 2025

The True Cost of Insurance Delays: What Florida Homeowners Need to Know

When your home has been damaged and you’ve submitted an insurance claim, every day of silence from your insurer can feel like an eternity. But what many Florida homeowners don’t realize is that delays in processing claims can have real financial consequences—and you have legal rights when timelines aren’t respected.

August 11, 2025

Understanding “Bad Faith” in Insurance Claims: Protecting Your Rights

When you file a property damage claim with your insurance company, you expect the process to follow the terms of your policy. While many claims are handled properly, in some situations an insurance company may engage in practices that could be considered “bad faith.”

Bad faith is a legal term that generally refers to an insurer not fulfilling its obligations under the policy and applicable law. This could involve delays, inadequate investigations, or claim denials that are not supported by the facts or the policy language.

July 9, 2025

How to Handle a Lowball Insurance Estimate After a Storm

When your home or condo building is damaged by a hurricane, tornado, or severe storm, your insurance payout should cover what it actually costs to fix it — not just what’s convenient for your insurer’s bottom line. Yet time and time again, Florida homeowners, HOAs, and COAs come to us with estimates that don’t even come close to real repair costs.

If you suspect your claim was lowballed, you’re not alone — and you don’t have to accept it.

Here’s what to know and how to fight back.

June 10, 2025

How HOAs and COAs Can Fight Denied and Underpaid Insurance Claims

When disaster strikes — whether it’s a hurricane, storm, fire, or major construction issue — homeowners associations (HOAs) and condominium owners associations (COAs) rely on their insurance policies to cover the cost of repairing and restoring shared property.

But far too often, these associations find themselves facing denied, delayed, underpaid, or undervalued insurance claims — leaving board members scrambling to figure out what to do next, and residents frustrated with the lack of progress.

At Boggs Law Group, we specialize in helping HOAs and COAs navigate these complex situations and fight for the compensation their communities deserve.

May 9, 2025

Wind vs. Flood Damage: Understanding Coverage Differences in Storm Claims

When a major storm hits Florida, property damage is often unavoidable. But for homeowners, the real challenge often begins after the storm—navigating your insurance claim.

One of the most misunderstood aspects of storm-related claims is the difference between wind damage and flood damage, and how each is treated by insurance providers. Understanding the distinction could mean the difference between a fully paid claim and a denied one.

April 10, 2025

Florida’s Insurance Crisis: What It Means for Policyholders

Florida is no stranger to hurricanes, flooding, and powerful storms—but in recent years, the state has faced a growing challenge beyond just weather: an insurance crisis that is shaking the foundation of homeowner protection.

With rising premiums, reduced coverage, and a growing list of insurers exiting the state, Florida homeowners are being forced to navigate one of the most volatile insurance markets in the country. At Boggs Law Group, we believe it’s essential that policyholders understand what this crisis means for their coverage and their rights.

Our Blog