Jacob Moss, P.A.

06/27/2022

As of this month, homeowners may record ANY inspections by their insurance company within their homes (with two conditions). This is a big decision that makes it easier for homeowners to protect themselves from insurer fraud.

In Gesten v. ASI Corp., the Fourth District Court of Appeals stated that when your insurance policy is silent on this issue, the insurer does not have a legitimate expectation of privacy. As long as your policy doesn't prohibit recording inspections and you inform your insurance company before recording, you can audio/video record any and all inspections by your carrier within your home and the insurer cannot refuse.

You can read the full opinion here: https://casetext.com/case/gesten-v-am-strategic-ins-corp/

(We are not attorneys, and this isn't legal advice. We just think it's important to share information that could be used to protect yourselves and your families.)

Read Gesten v. Am. Strategic Ins. Corp., No. 4D21-1851, see flags on bad law, and search Casetext’s comprehensive legal database

06/22/2022

FAPIA found this post from an insurance company attorney, and it summarizes their predatory playbook: delay claims so that suffering homeowners settle for less.

https://www.rcclaw.com/is-delaying-an-insurance-claim-an-effective-defense-strategy/

If your carrier is delaying your claim, it may be intentional. Have a professional review your claim to see EXACTLY what your carrier is trying to pull.

06/19/2022

To all fathers, grandfathers, godfathers, and Norse allfathers, have a great Father's Day!

06/17/2022

Have you started on your hurricane kit yet? Go grab our comprehensive hurricane kit checklist and make sure you're prepared.

And check out our other free resources! Everything on this page and on our site is there to help you and your family.

Get free newsletters, infographics, articles, and other resources! Made to help homeowners, tenants property managers, and business owners like you.

06/15/2022

As of today, we're finally providing 3D modeling services directly to property owners! Our Matterport scans will create a digital twin of your property for the best virtual tours you've ever seen. If you plan on selling your home, a high-quality virtual tour will sell your home all by itself!

Whether you are in the real estate market, are considering renovating your kitchen, need to document damages for your insurance claim, or want to take stock of your home before a hurricane hits, give us a call and we'll work with you to build a 3D model of your property.

(We've been providing this service to realtors and insurance attorneys for a while now, so it feels great to finally help homeowners and businesses directly! You can learn more about 3D modeling, virtual tours, and our Matterport services on our website.)

Top-of-the-line 3D modeling tools like Matterport have quickly become vital resources for homeowners and businesses.  From insurance claims to real estate to interior remodels, the perks of a digital model of your home can't be understated.

06/13/2022

HazardAware is a free website designed for Floridians to determine the risks your home may face from storms AND how much those hazards may cost.

This resource was created by University of Central Florida researchers to help homeowners prepare for hurricane season. Professor Chris Emrich says: "Part of making people more resilient is democratizing data and making data freely available.” As a UCF alum, I couldn't agree more!

Check it out for free here!

Please wait... We are gathering information on your selected property and preparing HazardReady maps, charts, scores and other information.

06/10/2022

Your insurance company only makes money off of your premiums, so they have a vested interest in paying you less. What are the signs that your insurer is low-balling you?

Insurance carriers are for-profit companies. Here’s how to know when they’re paying you less to line their own pockets.

06/08/2022

When an insurance company is paying thousands of dollars for an engineer to inspect your home? The answer probably won't surprise you: to increase their profit margins.

Why might carriers want to send engineers to your property if you file a claim? The answer, unfortunately, isn’t innocent.

06/06/2022

Public adjusters represent homeowners on their insurance claims. Do you need one for yours?

You should absolutely call a public adjuster. But not necessarily for the reason you think.

06/03/2022

Filing a claim means you'll have to work with insurance adjusters to get your home back to normal. But is every adjuster REALLY working to help you?

When it comes to property insurance, there are three main types of insurance adjusters. Who are they, and are they on your side?

06/02/2022

The first potential storm of the season is expected to hit South Florida this weekend. Projections show an 80% chance of a tropical depression (or storm) forming within the next 48 hours.

Now is the time to prepare for a storm if you haven't already. Read this article to guide you through preparations:
jacobmosspa.com/post/how-to-prepare-for-a-hurricane-step-by-step