Blog

3 Questions To Ask Your Insurance Agent

Simply put, everyone is different. The right insurance policy for your individual needs might not be the same as your neighbor’s, but purchasing the policy that fits the best is a wise decision that requires a certain degree of research. Unfortunately, shopping for and customizing a property insurance plan that provides you with complete protection can be a confusing and overwhelming ordeal with little room for error, as purchasing too…

Read more

How Property Insurance Works

You can’t purchase a home until you have secured financing for it. But before you can do that you must first make sure you have homeowners insurance. There are a few different types of homeowners insurance, each categorized based on the amount of coverage they offer. HO-1 and HO-2 are the most affordable options, but only because they come with several exclusions and focus protection on the actual property and…

Read more

How To Manage Mold In Your Home

Whenever you think about potential threats to both your health and your home, mold probably isn’t anywhere near the top of your list. But considering how common and dangerous mold is, maybe it should be. Mold is no joke. While research on its effects on human health are ongoing, mold has been known to cause serious illness, ranging from allergic reactions and dermatitis to full-blown asthma attacks. Children, the elderly…

Read more

What To Do After a Business Property Loss

Unfortunate events can happen at any time to anybody. Usually they come out of the blue and inevitably interrupt a large project or business goal. When unexpected losses impact your business, it can be especially excruciating. Your business is your livelihood and restoring normal operations is paramount to its continued success. How you respond in the moments immediately following a tragedy plays a critical role in getting everything back up…

Read more

Preparing For Hurricane Season: What You Need To Document

South Florida is one of the most perfect places to live—sunny beaches, booming businesses, and a diverse culture. However, this peninsular utopia does come with one unfortunate consequence associated with its ideal coastal geography: seasonal hurricanes. If you live in Southern Florida, you know that hurricanes are a serious matter that require a great deal of preparation to properly weather. While having fully-stocked hurricane survival kits and reinforcing your windows…

Read more

What Is a Public Adjuster?

If you have ever had the misfortune of experiencing a natural disaster and subsequent property loss, you are usually left with more questions than answers. You need help fast, and that help often comes in the form of an insurance claims adjuster. But not all insurance claims adjusters are created equal. At Kandell Law, we are often asked how what we do is different from that of any other type…

Read more

When Should You File an Insurance Claim?

Accidents, in the long run, start to become inevitable. Eventually something will happen, something that results in damage to your vehicle, home or business. And when it does you will be faced with several very important questions: should you submit a claim or not? What are the consequences of submitting a claim? How will your rates be affected? The answers to these and similar questions help you to know whether…

Read more

What to Expect When Your Insurance Claim Requires a Lawsuit, Part II

When filing a lawsuit for an insurance claim, there are many factors that can inhibit the speed in which your case can be resolved. In Part I of this post, we discussed what goes into determining how long a lawsuit may take. In this section, we’ll tackle the question that everyone has on their mind once they file, “What Happens Once I File?” Once you’ve filed your lawsuit and the…

Read more

What to Expect When Your Insurance Claim Requires a Lawsuit, Part I

It’s happened before, and it will happen again: insurance companies deny a claim leaving you, the insured, with the daunting task of having to file a lawsuit in order to find suitable compensation for your loss. While there are a myriad of reasons that require you to take the next step and seek legal representation, the most common is that your claim may have been denied or underpaid and negotiation…

Read more

How to Handle Water Damage to Your Home or Business

Water is proof that you can have too much of a good thing. While we all need it to survive, it can easily cause more than its fair share of damage to your home or business. Living in South Florida, we know that you’re especially aware of this due to the countless disasters that can befall us, from sinkholes and hurricanes to good old-fashioned heavy storms. What you may not…

Read more