Tips - Boggs Law

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.

January 30, 2025

2025: The Year of Adequate Settlements – Tips for a Successful Property Damage Claim

At Boggs Law Group, we’ve spent years fighting for policyholders, ensuring that homeowners and businesses receive the settlements they deserve. As we step into 2025, the landscape of insurance claims is evolving, and it’s more important than ever to be proactive when filing property damage claims.

December 9, 2024

How to Fight Denied Insurance Claims After Hurricanes Helene and Milton

The devastation caused by Hurricanes Helene and Milton has left countless property owners across the region struggling to rebuild their lives. For many, the challenges are compounded by denied insurance claims—adding frustration to an already difficult situation. If you’re facing this uphill battle, know that you’re not alone, and there are steps you can take to fight back. In this article, we’ll discuss why claims are denied, what you can do, and why having experienced legal representation can make all the difference.

October 17, 2024

Navigating Insurance Concerns After Hurricane Milton: What Homeowners Need to Know

In the aftermath of Hurricane Milton, homeowners across the region are grappling with the extensive property damage caused by powerful winds and devastating tornadoes. For many, the road to recovery hinges on the ability to navigate insurance claims—yet this process can often feel overwhelming and fraught with challenges. At Boggs Law Group, we understand the concerns you may face in the wake of such a catastrophe and are here to help you navigate the complex insurance landscape.

October 1, 2024

Navigating Wind Damage from Hurricane Helene

Hurricane Helene has left a trail of destruction across Florida, with high winds causing significant damage to homes and businesses. As property owners face the aftermath of this powerful storm, understanding your legal rights and options is essential in protecting your property and navigating the often complex process of insurance claims.

September 10, 2024

Hurricane Preparedness for Condominium Associations: Safeguarding Your Community

Living in Florida, where hurricanes are a yearly concern, it’s essential for condominium owners to be prepared and proactive in safeguarding both their home and their community. With storms capable of causing severe damage, taking the right steps can make all the difference. As a member of your condominium association, it’s important to stay informed, involved, and ready to act. At Boggs Law Group, we emphasize the importance of preparation and ensuring you have the necessary insurance coverage to protect your property.

August 8, 2024

Navigating the Aftermath of Tropical Storm Debby: How Boggs Law Group Can Help You Recover

Tropical Storm Debby, which recently ravaged parts of Florida, left a trail of destruction in its wake. From flooded homes to uprooted trees, the aftermath of this storm has been overwhelming for many residents. As the dust settles and the waters recede, the daunting task of recovery begins. At Boggs Law Group, we understand the challenges you face and are here to help you navigate the complexities of insurance claims, ensuring you get the compensation you deserve.