Plain-language explainers on the issues at the center of the practice, written for three kinds of reader: homeowners facing a stucco, roof, or property-claim problem; inspectors and claims professionals who meet these problems in the field; and attorneys who want the technical version. No hype — just the way these things work.
Jump to: For Homeowners · For Inspectors & Claims Professionals · For Attorneys
If your home has a stucco, roof, or property-claim problem, start here. Practical, plain-language guidance — useful whether or not you ever call us.
What stucco failure actually looks like, why the visible crack is usually a symptom of water in the wall, who may be responsible, the process at a high level, and why finding out where you stand sooner protects your options.
How first-party roof claims work, the common reasons carriers push back, what a homeowner can do about a denial or underpayment, and when claims handling can cross into a bad-faith issue.
Florida sets a hard outside deadline — the statute of repose — that keeps running no matter what, measured from when the home was completed. What that means for an older home, in plain terms.
Florida's statutory builder warranty is narrow and its clock is short — one year from title conveyance or occupancy. What it actually covers, what it leaves out, and why it isn't the deadline that matters most.
A storm can be the event that reveals a construction defect that was there all along. Why a homeowner may be holding two separate claims with two separate clocks, and why treating it as one costs the second.
The state and your county keep better records than online reviews: license status, the qualifying agent, disciplinary history, the permit file, and any recovery-fund payments. How to pull each one yourself, in an afternoon.
Repairs after a storm are urgent and right. What gets lost, over and over, is the documentation that should happen first — what to preserve, and why the order matters.
High-level education for the professionals who meet failing stucco, damaged roofs, and disputed claims in the field — and often decide who a homeowner should talk to next.
How thorough, contemporaneous inspection documentation intersects with a homeowner's later construction-defect claim — what tends to matter evidentiarily, and why clear records help the homeowner.
Where ordinary first-party claims handling ends and potential bad-faith territory begins — a high-level overview to help claims professionals recognize when a matter may warrant legal input.
The technical version — written to the standard of a CLE talk or a listserv answer, for referring and generalist counsel who do not want to blow a deadline.
Serving a Florida construction-defect pre-suit notice tolls the statute of limitations but not the statute of repose — an absolute deadline that keeps running during the pre-suit process. How a live-looking claim can already be dead, and how to protect the deadline.
A statute of limitations and a statute of repose run at the same time and behave in opposite ways — one tied to discovery, the other an absolute wall from a fixed construction date. Why the difference decides cases.
How a first-party Florida property claim moves from the claim, to the required Civil Remedy Notice and its cure window, to potential bad-faith exposure — explained from the policyholder's side, with the record-keeping that decides these cases.
"Closed without payment" is not a synonym for "denied." Below-deductible closures, excluded perils, withdrawals, duplicates, and non-cooperation closures all live in that bucket. How to read the number honestly — in both directions.
Permits, court dockets, licensing files, and entity records are public and can reveal patterns in a builder's history. What each source shows, what it doesn't, and how to read them without overreaching.
Carriers often argue that a reasonable reading of an ambiguous clause defeats a bad-faith claim outright. What the defense says, why Florida law does not treat it as a trump card, and the conduct facts that actually overcome it.
Two same-day Third DCA rulings: one fee award reversed for missing statutory findings, one affirmed because the findings challenge was never preserved. What each side of a first-party property fee fight needs to do differently.
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