Agency - Boggs Law

April 9, 2026

The Critical Difference Between Insurance Estimates and Real Repair Costs

Most Florida homeowners don’t realize there can be a significant gap between what their insurance company estimates and what it actually costs to repair their home. This gap highlights the critical difference between insurance estimates and real repair costs, and it is one of the most common challenges homeowners face during the claims process.

Understanding why this difference exists, and how it can impact your claim, can help you make more informed decisions and avoid accepting a settlement that may not fully cover your loss.

April 1, 2026

The Truth About Recorded Statements in Insurance Claims

After filing a property insurance claim, many Florida homeowners are surprised when their insurance company asks for a recorded statement. In many recorded statement insurance claim investigations, insurers use these interviews to gather information about the damage and the circumstances surrounding the loss. The request may sound routine, but it can play an important role in how your claim is evaluated. Understanding why insurers request these statements, and how they can affect your claim, can help homeowners avoid unnecessary complications during the claims process.

At Boggs Law Group, we believe homeowners deserve to understand every step of the insurance claim process. A recorded statement is simply one part of that process, but it’s important to approach it with care and awareness.

February 10, 2026

The Hidden Truth Behind Your Insurance Company’s Engineer Report

If your Florida homeowners insurance claim has been denied or significantly undervalued, the insurance company may be relying on an insurance engineer report Florida insurers often use to justify their decision. These reports are frequently presented as neutral and conclusive, leaving homeowners feeling like they have no room to push back.

But the truth is this: an insurance company’s engineer report is not the final word on your claim. Understanding how these reports work, and how they can be challenged, can make a critical difference in protecting your rights and your recovery.

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.