Clint & Company, P.A.

10/31/2025

Happy Halloween from Clint & Company!

https://clintco.legal/2025/08/24/creepy-homeowners-insurance-court-decision/

09/02/2025

Yes, but...

UPDATE: ISO’s countrywide forms filing HO-2021-OFR21 amends the “lawn mower exclusion” so that there is coverage for “A riding lawn mower that, at the time of the ‘occurrence’, is being used to mow a lawn….” This change is effective in most states in March 2022.   Are riding lawn mo...

08/29/2025

Double-check that policy language!

Last week, I heard from an agent whose customer had an almost six-figure claim for damage to personal property in a self-storage warehouse. The insurer offered 10% of the HO policy’s Coverage C limit, saying “It is clear from the language that any personal property that would normally be kept in...

08/26/2025

You are not under as much pressure as you think.

This issue came up twice in the past week and has come up many times over the years. Many property policies written on a replacement cost (RC) basis give the insured the option of prompt claim payment on an actual cash value (ACV) basis with any balance due on a RC basis available at a

08/21/2025

🏠💨 Think your insurer can drop you in the middle of hurricane season? Think again. Florida law has strict timelines and storm-season safeguards.

As we enter the peak of hurricane season here in Florida, one question that many homeowners have is whether their insurance company can cancel or non-renew their policy. Yes, they can, but they are required to give you timely notice and legitimate reasons. There are also extra protections that apply...

08/20/2025

Do you own a second home? Do you travel for extended periods? If so, this article about a hidden exclusion in your insurance policy is a must-read.

https://clintco.legal/2025/08/18/the-invisible-but-potentially-catastrophic-homeowners-exclusion-thats-not-an-exclusion/

06/04/2025

Success in water-related property insurance claims hinges on precise, policy-aligned terminology. Mischaracterizing a loss—such as calling wind-driven rain a “flood”—can trigger exclusions and lead to wrongful denials. Most homeowners policies cover “sudden and accidental discharge” from plumbing or HVAC systems but exclude losses from gradual leaks, surface water, groundwater, or wear and tear. Terms like “backup,” “overflow,” and “discharge” have distinct meanings that impact coverage.

Distinguishing between the peril (e.g., a burst pipe) and the resultant damage (e.g., soaked flooring) is critical, as policies may exclude the cause but cover the outcome. Mold is often limited or excluded, yet if caused by a covered water event, related remediation may still be compensable. Courts interpret ambiguities against the insurer and consider the insured’s reasonable expectations.

From the initial notice of loss through expert reports and legal proceedings, stakeholders must use consistent and accurate terminology. Adjusters, attorneys, and policyholders should align descriptions with definitions in the policy to preserve coverage and avoid unnecessary disputes. Mastery of water-related language is essential for effective advocacy and claim resolution.

03/26/2025

Here’s a quick guide to some of the biggest factors in your property insurance premium. You can apply for mitigation credits towards your premiums by improving or changing these things. A wind mitigation inspection is the best way to document these before submitting to your insurance agent.

03/12/2025

At 8 a.m. EST this Friday, March 14, the Florida House Banking and Insurance Committee will begin hearings on the report that concluded insurance companies were moving billions of dollars to their MGAs while alleging a profitability crisis to you and your representatives. This report mysteriously failed to surface around the time it was published. We’ll find out who will be testifying later today.

Let’s hope that Floridians get answers that allow us to conclude what happened in 2022, when important consumer rights were stripped from you under allegedly false pretenses.

02/24/2025

The 2022 study, which has never been made public, was released to the Herald/Times after a two-year wait for public records.

12/25/2024

Happy Holidays from Clint & Company, P.A.!

Let's make it feel like home again.

11/07/2024

Commissioner Michael Yaworsky of the Florida Office of Insurance Regulation (OIR), has until November 18 to schedule a briefing with the House of Representatives Committee on Oversight and Accountability regarding the OIR's efforts to protect victims of Hurricanes Helene and Milton from dishonest insurance practices.

I hope this provides a window for more people to understand what is happening within the property insurance industry and how it directly affects their wallets and assets.