Fire damage is rarely limited to what actually burned. Heat, smoke, soot, firefighting water, hidden moisture and combustion residues can affect areas throughout a home—even rooms the flames never reached. This comprehensive guide explains what property owners should look for after a fire, how different types of damage are evaluated, and why understanding the full extent of the loss is an important first step in navigating a fire insurance claim.

Many homeowners are surprised to learn that the fire itself isn't always the greatest source of damage. Firefighters often use thousands of gallons of water to save a home, and that water can damage ceilings, walls, floors, furniture, and personal belongings. Learn why this damage is generally covered as part of the fire loss.

Receiving a denial letter from your insurance company can feel overwhelming, but a denial doesn't always mean your claim is over. Learn the most common reasons claims are denied, what your options are, and how homeowners can challenge unfair decisions through additional evidence, supplements, appraisal, and professional representation.

Florida law now requires insurance companies to respond to your property damage claim within 60 days—not 90. If your claim is sitting in limbo, you may have legal leverage. Learn what the statute says and how VIP Adjusting can help protect your rights.

Don’t get blindsided by insurance fine print. Discover the 7 essential features your homeowners insurance policy should include—like appraisal rights, water damage coverage, and screened enclosure protection. Learn how to secure the coverage you need before disaster strikes.

When buying a property with an ongoing insurance claim, understanding the claim’s impact is crucial. From Assignment of Benefits (AOB) transfers to securing new insurance, VIP Adjusting helps you navigate the complexities, ensuring the claim is fairly adjusted and your investment is fully protected. Let us guide you through the process and maximize your claim settlement.

In the past year, there have been several significant changes regarding property insurance in Florida that many homeowners may not be aware of. These alterations have deep implications for policyholders, and unfortunately, many of these changes could negatively impact them. As public adjusters, it is our duty to ensure that you are kept abreast of these changes and understand how they could affect your insurance coverage and claims. Many of these points will be further elaborated in upcoming blog posts, but for now, we wanted to provide a brief summary of the recent legislative changes.