King Tide: The Flood That Arrives on a Sunny Day

A Tampa homeowner woke up this morning to a clear sky, no rain in the forecast, and water standing in her street high enough to lap at the garage door. Nothing broke. No storm came through. The bay simply rose higher than usual, pushed in through the storm drains, and found every low spot in […]

A Rule Written After Your Policy Cannot Be Used to Kill Your Case

Picture a Florida homeowner in 2019. A pipe lets go inside a wall, and by the time anyone finds it, the kitchen cabinets are swollen and the floor is ruined. Her homeowners policy has been in place the whole time. She files the claim, the carrier sends an adjuster, and a check shows up for […]