Boggs Law Group

10/29/2026

📄 When a law changes, does it apply to insurance policies that were already in effect?

A recent Florida Supreme Court decision addresses that question in the context of the state’s 2021 presuit notice requirement for property insurance claims.

As reported by Insurance Business, the Court ruled that the presuit notice statute does not apply retroactively to property insurance policies issued before the law took effect on July 1, 2021.

The case involved a homeowner whose policy was issued before the law took effect but whose lawsuit was filed afterward. Florida appellate courts had reached different conclusions about whether the new requirement applied to older policies.

The Florida Supreme Court has now sided with the courts finding that the statute does not apply retroactively.

The decision was issued October 22, 2026, and according to the article, is not final until the rehearing window expires.

For Florida property owners, the decision highlights an important point: understanding an insurance dispute may require looking not only at what the policy says, but also when the policy was issued and which legal requirements apply.

👉 Read more from Insurance Business:
https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/universal-property-cant-turn-back-the-clock-on-presuit-notice-594898.aspx

Six districts, two answers, three years - Florida’s top court picks a side

10/28/2026

⚠️ When a product causes property damage, understanding the incident means looking at more than just the moment something went wrong.

What was happening before the incident? How was the product being used? What happened when the damage occurred? What changed afterward?

These details help create a clearer picture of what happened.

At Boggs Law Group, our approach starts with understanding the facts. In product liability matters involving property damage, that may include examining:

🔎 The product and its condition
📖 How the product was being used
📸 The damage that occurred
🧾 Purchase and product information
📋 Instructions, warnings, or other available materials
⏱️ The sequence of events surrounding the incident

A product causing damage does not automatically mean it was defective or determine who may be responsible. Understanding the circumstances can help identify the legal issues and options that may be available.

Before the incident. During the incident. After the incident. The sequence can matter.

Visit https://ow.ly/1Nks5101lRJ for a FREE Consultation.

10/27/2026

📘 POLICY TERM: Policy Conditions

Coverage is only part of the policy.

When reviewing property insurance, it is easy to focus on coverage amounts, deductibles, and exclusions. However, another important part of the policy is the conditions.

Policy Conditions outline the responsibilities, requirements, and procedures that may apply under your policy. Depending on your coverage, these conditions may include:

📄 Providing notice of a loss
📸 Protecting property from further damage
📋 Supplying requested information or documentation
🔎 Cooperating with the insurer’s investigation
⏳ Following specific procedures or time requirements

The details and application of these conditions depend on the language of your individual policy and the circumstances of your claim.

Understanding your insurance policy means looking beyond what is covered. It also means knowing what your policy requires and how the claim process works.

Know the coverage. Understand the conditions. Know your policy.

10/27/2026

⏰ Tomorrow! There's still time to register.

Community Association Managers and Board Members are invited to join us tomorrow for a FREE virtual webinar focused on:

Implementing & Utilizing Your Reserve Study

Matt Kuisle, PE, RS, Director and Shareholder of Reserve Advisors, will share insight into the distribution, review, and implementation of a professional reserve study and how it can be utilized beyond the annual budgeting process.

📅 Tomorrow, October 28th
⏰ 12:00–1:30 p.m. EDT
💻 FREE Virtual Webinar
🎓 1 Hour CEU Credit

🔗 Register today: https://us02web.zoom.us/webinar/register/4717920719036/WN_iMn-CbaoRjOThdhEyanzGA #/registration

We hope you'll join us!

10/26/2026

🌀 Hurricane Isaias was one storm. Every property insurance claim tells its own story.

The same hurricane can affect neighboring properties in very different ways. The damage may be different. The documentation may be different. The policies may be different. Even the way each insurance claim is evaluated can be different.

That is why understanding a Hurricane Isaias claim means looking beyond the name of the storm.

What happened at the property? What damage was documented? What does the policy provide? How did the insurance company evaluate the loss? Is there a disagreement about the cause, scope, or value of the claim?

At Boggs Law Group, we help Florida property owners with delayed, denied, undervalued, and disputed storm claims. Our approach starts with understanding the individual property, policy, documentation, claim history, and the insurer’s position.

From there, we guide our clients through the issues affecting their claim and explain the legal options that may be available as they pursue their insurance benefits.

One storm. One property. One claim that deserves to be understood on its own facts.

If you have questions about a Hurricane Isaias insurance claim involving a Florida property, visit https://ow.ly/s2Ye5100VFQ for a FREE Consultation.

10/24/2026

🌎 Different communities. Different perspectives. We all share a responsibility to understand one another.

On United Nations Day, we recognize the value of cooperation, dialogue, and working together toward a more peaceful and connected world. Progress often begins with a willingness to listen, to learn from perspectives beyond our own, and to recognize what we share while respecting what makes each community unique.

Today is a reminder that understanding can bring people closer. Meaningful change is built through cooperation.

Listen with curiosity. Lead with understanding. Find common ground.

From all of us at Boggs Law Group, we recognize United Nations Day.

10/23/2026

📊 Are you getting the most from your reserve study?

A professional reserve study can be much more than a tool used during the annual budgeting process.

Join us on October 28th as Matt Kuisle, PE, RS, Director and Shareholder of Reserve Advisors, shares expert insight into the distribution, review, and implementation of a professional reserve study.

Learn how to more effectively utilize your reserve study as a resource for your community for years to come.

📅 Wednesday, October 28th
⏰ 12:00–1:30 p.m. EDT
💻 FREE Virtual Webinar
🎓 1 Hour CEU Credit

🔗 Reserve your spot: https://us02web.zoom.us/webinar/register/4717920719036/WN_iMn-CbaoRjOThdhEyanzGA #/registration

10/23/2026

🏠 WHAT EVERY FLORIDA PROPERTY OWNER SHOULD KNOW

Wind Damage Isn’t Always Visible from the Street

After strong winds move through an area, a property may look fine from the ground.

But a street-level view may not show every change that occurred.

Wind can affect areas of a property that are difficult to see from below, including roofing materials, flashing, vents, exterior components, and other elevated or less-visible areas.

That doesn’t mean every property has wind damage after a storm. It means appearance from the street alone may not tell the whole story.

After a significant wind event:

📸 Document visible changes from a safe location.
🏠 Compare the property’s condition with earlier photos or records, if available.
📝 Note when you first observed something different.
📁 Keep relevant maintenance and repair records.
🔎 If you have concerns about areas you cannot safely evaluate, consider having the property examined by a qualified professional.

Don’t assume there is damage. Don’t assume there isn’t. Start by understanding what changed.

10/22/2026

🏗️ Spotting a problem with a building can be straightforward, but understanding why it happened is often more complex.

Water intrusion, damage to building components, and changes that appear after construction or repair work can raise important questions. What you see at the property is just the beginning. Determining what comes next requires a deeper look.

What condition has been identified? What may have caused it? What documentation exists? What does the property insurance policy provide? How has the insurance company evaluated the damage?

At Boggs Law Group, we help Florida property owners navigate construction defect matters involving first-party property insurance claims. When an insurance claim for construction-related property damage is delayed, denied, undervalued, or disputed, we review the policy, property conditions, documentation, evaluations, claim history, and the insurer’s position. Our goal is to help clients understand the issues affecting their claim and the legal options available.

See the condition. Understand the circumstances. Know the issues affecting the claim.

If you have questions about a construction defect matter involving a property insurance claim for a Florida property, call Boggs Law Group to learn how we may be able to assist.

📞 727-954-8833 | FREE Consultation

10/21/2026

📄 Can an insurance policy restrict who a Florida homeowner turns to for help with a claim?

That question is at the center of a new investigation by Florida Attorney General James Uthmeier, according to FOX 13 Tampa Bay.

FOX 13 reports that the Attorney General has opened an investigation into Velocity Risk Underwriters, LLC over alleged policy provisions restricting homeowners from hiring licensed public adjusters. According to the report, a subpoena seeks records related to potential agreements involving those restrictions.

For Florida homeowners, the story raises a broader issue: the provisions in an insurance policy can affect more than what property damage may be covered. They may also address parts of the claim process itself.

If you experience property damage, understanding your policy can help you identify provisions that may affect how the claim is presented, documented, and evaluated, as well as what options may be available if a disagreement develops.

The investigation is ongoing, and the allegations reported by FOX 13 have not been established as findings against the insurer.

Know what your policy says. Understand the claim process. Know your options.

🔗 Read more from FOX 13 Tampa Bay: https://www.fox13news.com/news/florida-ag-targets-insurance-policy-rules-banning-public-adjusters

Florida Attorney General James Uthmeier has opened an investigation into Velocity Risk Underwriters, LLC, over alleged policy rules that prevent homeowners from hiring public adjusters.