Ruel Law Firm P.A.

When Your Free Roof Costs You: Legal Options for Defective Roofing in Florida

Mon, 11 Nov 2024 16:38:53 GMT

Florida’s unpredictable weather, with its frequent storms and hurricanes, can lead to substantial damage to homes, especially roofs. Unfortunately, some unscrupulous roofing companies have taken advantage of homeowners by falsely promising "free" roof replacements through insurance claims. These scams not only result in poor workmanship but can also leave homeowners with significant financial burdens, stuck with a roof that barely lasts the next storm season. In this post, we’ll explore how these fraudulent practices operate, how they harm homeowners, and the legal remedies available to fix the damage and hold contractors accountable.

The Roofing Scam Unveiled: A Common Tactic

In Florida, particularly following a hurricane or severe storm, some roofing contractors knock on doors offering homeowners a "free" roof replacement through their insurance policies. These contractors often promise quick, hassle-free work, claiming that they can easily get the insurance company to cover the cost under the pretext of storm damage.

In many cases, the contractor convinces the homeowner to file a claim, often inflating or fabricating damage reports. The homeowner, trusting the contractor, agrees to allow the company to handle the insurance process. Once the claim is approved and the work begins, the company frequently cuts corners, using cheap materials and unqualified labor to maximize profits. When the roof starts to fail, the contractor is long gone, having moved on to exploit another storm-affected area.

The Consequences of Defective Roofing Work

The consequences of these scams are severe, leaving homeowners vulnerable in multiple ways:

Structural Issues and Property Damage

Defective roofing often leads to water damage, leaks, and mold growth, which can quickly escalate into major structural issues. Poor installation may also fail to meet Florida’s strict building codes, making the homeowner’s property even more vulnerable to future storms.

Insurance Coverage Exclusions

Most homeowners insurance policies do not cover defective workmanship. While sudden, accidental damage might be covered, the insurance policy generally excludes damage resulting from poor or faulty construction.

Insurance Repercussions

Homeowners may unknowingly commit insurance fraud if they file false claims at the contractor's direction. Even when the claim is approved, the insurance company may refuse future claims if it discovers that the damage wasn’t storm-related, or worse, they may accuse the homeowner of fraud.

Financial Strain for Homeowners

Repairing a defective roof can be expensive, and since insurance won’t cover defective workmanship, homeowners are often left with out-of-pocket expenses. Any secondary damage might be covered, depending on the specific terms, but this does not include replacing or repairing the original defective roof.

Legal Options for Homeowners Dealing with Defective Roofs and Bad Contractors

If your roof has failed due to shoddy workmanship, or if you’ve been misled by a fraudulent roofing company, there are several legal avenues you can pursue to rectify the situation:

Breach of Contract

Homeowners can file a breach of contract claim if the contractor fails to fulfill agreed-upon terms, such as using specific materials or delivering a certain standard of work. A successful breach of contract claim can help homeowners recover the cost of replacing or repairing the defective roof.

Negligence

Roofing contractors are required to adhere to professional standards of care. If the work performed on your roof was negligent, meaning it fell below those standards, you may have a valid negligence claim. Such a claim can seek compensation for both the cost of repairs and the damage caused by the contractor’s substandard work.

Filing a Claim Against the Contractor’s Insurance or Bond

Licensed roofing contractors are required to carry liability insurance and may be bonded to protect homeowners from defective workmanship. If the contractor has disappeared or refuses to fix their work, you may be able to file a claim against their insurance or bond for damages.

Mechanic’s Lien and Warranty Claims

In some cases, contractors file liens on homes despite not meeting contractual terms or quality standards. Homeowners can challenge such liens and may be entitled to compensation for faulty work. Additionally, any warranty included with the roofing work may be another way to hold the contractor accountable for repairs or replacement.

Protecting Yourself from Roofing Scams

To avoid becoming a victim of roofing fraud, the following precautions should always be taken:

Verify Licenses and Credentials

Always check that your roofing contractor is licensed through the Florida Department of Business and Professional Regulation (DBPR) and confirm that they carry valid insurance.

Get a Detailed, Written Contract

Insist on a thorough contract that outlines the scope of work, materials to be used, estimated timeline, and payment terms. Avoid any contractor who won’t provide clear, written agreements.

Work Directly with Your Insurance Company

Don’t allow a contractor to handle the insurance claim process on your behalf. Always communicate directly with your insurer to verify what is covered under your policy before agreeing to any work. Also, check directly with your insurance company to ensure that all claims are legitimate and that you fully understand what is being reported.

Obtain Multiple Estimates

Don’t accept the first offer that comes your way. Get multiple estimates from licensed, reputable contractors to compare pricing and scope of work as well as the materials being used.

Conclusion: Your Legal Options Matter

If you have been affected by defective roofing work, there are specific legal options to pursue. From breach of contract to negligence and contractor insurance claims, each avenue has its unique set of requirements and benefits. Consulting an attorney experienced in property insurance and construction defect law can help determine the best approach for your specific situation. It is critical that you take swift action to explore your legal options.

Ruel Law Firm, P.A. Can Help

For questions regarding all these matters, be sure to contact Ruel Law Firm P.A. in Lakeland Florida. Issues with fraudulent contractors and uncooperative insurance companies can often be complex and intimidating. Michael Ruel’s vast experience dealing with roofing defects, fraudulent contractors, and negotiating with insurance companies in these matters can help clients recoup their losses and get their roofs fixed properly.

You do not have to face it alone.

Ruel Law Firm, P.A.

Lakeland, Florida

(833) RUEL-LAW (783-5529)

mruel@ruellawfirm.com

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Sources:

Florida Attorney General’s Office : Article is entitled, “ Taking Action to Stop Roofing Scam ”. This press release details legal actions taken against a Jacksonville construction company for scamming Floridians in need of roofing repairs, highlighting the state's commitment to protecting consumers from contractor fraud. Available at https://www.myfloridalegal.com/newsrelease/taking-action-stop-roofing-scam .

Florida Department of Business and Professional Regulation (DBPR) : Article is entitled, “Unlicensed Roofing Contractor in Florida Charged After Soliciting Homeowners”. This news article reports on actions taken against unlicensed roofing contractors, underscoring the importance of verifying contractor credentials. Available at https://www.insurancejournal.com/news/southeast/2023/03/27/713841.htm .

Florida Department of Financial Services : Article is entitled, “Demolish Contractor Fraud”. This resource outlines how contractors may solicit homeowners to sign documents that transfer insurance rights and benefits, leading to potential fraud. It offers guidance on avoiding such scams and reporting fraudulent activities. Available at: https://myfloridacfo.com/division/ica/demolish .

Florida Statutes § 95.11 : The statute outlines the Florida statute of limitations for negligence claims, which may apply to contractor negligence cases related to construction and repair work. Available at: Statutes & Constitution: Search Statutes: Online Sunshine .

Insurance Information Institute (III) : Article is entitled, “What is covered by standard homeowners insurance?”. This article explains the circumstances under which homeowners insurance covers roof replacement, emphasizing that damage due to poor maintenance or workmanship is typically excluded. Available at https://www.iii.org/article/what-covered-standard-homeowners-policy .

Legal Information Institute, Cornell Law School : Article is entitled, “Breach of Contract”. This entry provides a comprehensive overview of breach of contract, including definitions, elements, and potential remedies, relevant to homeowners dealing with contractor disputes. Available at https://www.law.cornell.edu/wex/breach_of_contract .

Hurricane Michael: Lingering Effects on Homeowners and the Importance of Legal Advice

Wed, 24 Jan 2024 19:44:30 GMT

Even years after Hurricane Michael tore through the U.S. Southeast, homeowners still acutely feel the repercussions. The Category 5 hurricane, which ravaged parts of Florida, Georgia, and the Carolinas in October 2018, was one of the most powerful storms ever to hit the continental United States. Its legacy is a testament to the prolonged struggle many face in the aftermath of natural disasters, particularly when it comes to securing fair insurance settlements and navigating complex legal landscapes.

The Unending Aftermath

For homeowners, the aftermath of Hurricane Michael is not just a memory but an ongoing reality. The physical damage was immediate and catastrophic, but the long-term effects have been equally devastating. Homes and communities in Northern Florida were physically destroyed by Hurricane Michael and left in a state of financial and legal limbo.

Insurance Battles

Many homeowners found themselves in protracted battles with insurance companies. Despite paying premiums for years, homeowners discovered that their policies did not cover the extent of the damage. Homeowners were offered settlements that fell significantly short of the actual repair costs. The fine print in insurance policies often leaves homeowners bewildered, leading to disputes over coverage that can take months or even years to resolve.

Reconstruction Delay

The sheer scale of the destruction meant that local construction services became overwhelmed, leading to delays in rebuilding efforts. Supply chain issues, exacerbated by simultaneous demands in multiple affected areas, led to increased costs and further delays, leaving homeowners in temporary housing for extended periods.

Decline in Property Values

The areas hit by Hurricane Michael saw a marked decline in property values. For those looking to sell their properties, the market is tough. The visible scars of the hurricane, coupled with the fear of future events, have made buyers hesitant, driving down prices and leaving homeowners with devalued investments.

The Role of Legal Advice

In the chaotic aftermath of such disasters, legal advice, the kind Ruel Law Firm provides, becomes paramount. Homeowners often find themselves navigating a complex web of insurance claims, federal aid programs, and rebuilding regulations. Here’s why legal advice is crucial:

Understanding Insurance Policies

Attorneys like Michael Ruel , who specializes in insurance claims, can help homeowners understand the intricacies of their policies. They can advocate on behalf of the homeowner to negotiate with insurance companies, ensuring that claims are fairly assessed and compensated.

Resolving Disputes

In cases where disputes arise, whether with insurance providers, contractors, or between neighbors, legal counsel is indispensable. Ruel Law Firm can act as a mediator, represent homeowners in litigation, and provide the necessary advice to protect their clients’ interests.

In conclusion, the effects of Hurricane Michael are a stark reminder of the long-term challenges faced by homeowners in the wake of natural disasters. As they grapple with insurance disputes, reconstruction hurdles, and the overall disruption of their lives, the importance of sound legal advice cannot be overstated. It not only aids in navigating the immediate aftermath but also plays a crucial role in ensuring a more resilient and prepared future.

Ruel Law Firm, P.A. Can Help

Michael Ruel is the founder and principal attorney at the Ruel Law Firm , serving clients throughout Central Florida and statewide in a variety of legal matters. The firm’s focus is on representing homeowners as well as businesses who have experienced storm damage and are having difficulty with their residential or commercial property damage insurance claims. Michael also lends his expertise to the related area of construction defect litigation involving water intrusion and other issues created by defective construction.

Ruel Law Firm, P.A.

Lakeland, Florida

(833) RUEL-LAW (783-5529)

mruel@ruellawfirm.com

What To Do If Your Home Suffers Water Damage From A Natural Disaster

Mon, 09 Oct 2023 23:26:40 GMT

One of the most common and damaging effects of a Natural Disaster (Hurricanes, Tornadoes, Floods, Tropical Storms) is water damage to homes. Whether it is from heavy rainfall, storm surges, or wind-driven rain, water can wreak havoc on your property. In this blog, we will outline essential steps homeowners should take if their home suffers water damage from a natural disaster.

Safety First

Ensure your safety first before anything else, prioritize your safety and the safety of your family. If you must evacuate, do so promptly, and follow any official instructions. If you decide to stay, be cautious of hazards like downed power lines, flooded areas, and weakened structures. Use appropriate safety gear such as gloves and boots when inspecting your property. Remember, property can always be replaced, but a human life cannot.

Document Damage

Once it is safe to do so, document the damage thoroughly. Take clear photographs and videos of all affected areas. This documentation will be crucial when dealing with insurance claims and for future reference. Make a detailed inventory of damaged items, including their approximate value. It is wise to make documentation a month prior to the start of storm season, update it regularly and keep it in a watertight container.

File A Claim

Contacting your insurance company as soon as possible to initiate the claims process is vital. Rest assured you will not be the only homeowner filing a claim. Provide them with the documentation and information about the extent of the damage. Be prepared for an adjuster to assess the damage in person.

Prevention

After reporting the claim to your insurance company, prevent additional damage by taking immediate action. If it is safe to do so, consider the following steps:

Remove standing water: Use a wet/dry vacuum, pumps, or buckets to remove water from flooded areas.

Dry the affected areas: Use fans and dehumidifiers to help speed up the drying process.

Remove damaged items: Get rid of soaked and damaged items that cannot be salvaged. This includes furniture, flooring, insulation, and drywall.

Ventilation: Open windows and doors to allow fresh air circulation, which can help with drying.

Prevent mold: Mold can start growing within 24-48 hours (about 2 days), so act quickly. Use disinfectants and mold inhibitors on affected surfaces.

Consult with Professionals

In many cases, it is wise to consult with professionals who specialize in water damage restoration. They have the expertise, equipment, and experience to effectively handle the situation. They can assess structural damage, provide drying services, and help with mold remediation.

Prioritize Your Health

It is of the highest importance to prioritize health and hygiene from floodwaters as they often contain contaminants that can pose health risks. It is essential to take precautions:

Use appropriate personal protective equipment (PPE) when cleaning up.

Wash your hands thoroughly after handling floodwater or contaminated items.

Ensure safe food and water sources.

Stay up to date with any public health advisories related to the natural disaster’s aftermath.

Keep Informed

Keep yourself informed about local conditions, emergency alerts, and updates from local authorities. This information can help you make informed decisions and stay safe during the recovery process.

Recovery after a natural disaster can be a lengthy process. Be patient and flexible as you work through the steps required to restore your home. Understand that many others in your community may also be dealing with similar challenges, and resources may be stretched thin.

In Summary

Water damage from a natural disaster can be devastating, but taking prompt and organized action can help minimize the long-term effects. Prioritize safety, document damage, work with your insurance company, and seek professional assistance when needed. By following these steps, homeowners can gradually restore their homes and move forward on the path to recovery.

Ruel Law Firm, P.A. Can Help

Facing an uncooperative insurance company if you have extensive water damage can be incredibly frustrating, but it is essential to be persistent and informed. By reviewing your policy, documenting damage, communicating effectively, and seeking legal help, you can increase your chances of getting the compensation you deserve.

Contact Ruel Law Firm P.A. in Lakeland Florida. Insurance companies are powerful and dealing with them can often be intimidating. Michael Ruel’s experience can help clients navigate through the complex myriad of paperwork insurance companies throw at homeowners.

You do not have to face it alone.

Ruel Law Firm, P.A.

Lakeland, Florida

(833) 783-5529

What To Do If Your Insurance Company Doesn't Pay After A Hurricane

Mon, 09 Oct 2023 23:26:38 GMT

Hurricanes can wreak havoc on your property and disrupt your life in countless ways. That is why homeowners often turn to insurance to provide financial protection in the event of hurricane damage. However, it can be disheartening to find out that your insurance company is not paying out as expected after a hurricane. If you are facing this situation, remember there are ways to protect what could be your largest investment, your home.

Review Your Policy

The first step is to thoroughly review your insurance policy. Understanding the terms, conditions, and coverage limits is crucial. Make sure you have a clear grasp of what your policy covers, including hurricane-related damages, and any specific deductibles that apply. This information will help you determine if your claim should indeed be covered.

Document Damage

After a hurricane, it is essential to document the damage to your property as comprehensively as possible. Take clear photographs and videos of the affected areas, noting the date and time of each image. This visual evidence will be invaluable when filing your claim and can help substantiate your case if there is a dispute with your insurer.

Contact Your Insurance Company

Once you have reviewed your policy and gathered evidence of the damage, it is time to contact your insurance company. Reach out to them as soon as possible to report the claim. Provide all the necessary details, including the date of the hurricane, the extent of the damage, and any relevant policy information.

Maintain Records

Throughout the claims process, maintain a detailed record of all communications with your insurance company. This includes phone calls, emails, and letters. Note the names of the representatives you speak to, the date and time of each conversation, and the content of the discussion. This record can be essential if disputes arise.

Get Help

If your insurance company denies your claim or offers an inadequate settlement, consider consulting with an attorney who specializes in insurance claims . They can help you navigate the legal aspects of your case and ensure that your rights are protected. Insurance laws can be complex, and having legal representation can be an asset. An Attorney specializing in Insurance can help you explore all your legal options.

If your insurer continues to withhold payment unjustly, you can request mediation with your state's insurance department. Most states have regulatory agencies that oversee insurance companies and can mediate disputes between policy holders and insurers.

Ruel Law Firm, P.A. Can Help

Facing an uncooperative insurance company after a hurricane can be incredibly frustrating, but it is essential to be persistent and informed. By reviewing your policy, documenting damage, communicating effectively, and seeking legal help, you can increase your chances of getting the compensation you deserve.

Contact Ruel Law Firm P.A. in Lakeland Florida. Insurance companies are powerful and dealing with them can often be intimidating. Michael Ruel's experience can help clients navigate through the complex myriad of paperwork insurance companies throw at homeowners.

You do not have to face it alone.

Ruel Law Firm, P.A.

Lakeland, Florida

(833) 783-5529

When Lightning Strikes Your Home

Wed, 14 Jun 2023 04:43:13 GMT

During the Florida rainy season, lightning is common due to afternoon thunderstorms, hurricanes, and tropical waves. Because of the amount of lightning strikes yearly, Florida is known as the Lightning Capital of the United States.

Lightning strikes are inevitable during storms, which raises a big question: Does homeowners’ insurance cover it?

Does Insurance Cover Lightning Damage?

Yes, homeowners’ insurance does cover lightning damage. However, insurance companies will always try to deny a claim for lightning damage. In addition, storm damage claims can be difficult to make, as many Florida homeowners know from experience.

Most insurance companies quickly deny lightning insurance claims, stating the damages were unrelated to the lightning strike or that there is no proof of a strike. Additionally, it is difficult to prove the cause of the damage. The homeowner will have to prove the lightning strike occurred, directly resulting in damage to the home.

How Much Damage Can Lightning Do?

Lightning strikes can be catastrophic, no matter how well you protect your home. The heat from a lightning bolt can be as high as 50,000 F*, causing severe damage to your home. The shingles of your house, the electrical system, the roof, the gutters, the siding, or the foundation can be damaged if the lightning strikes with enough force. The sudden surge of power can also damage any electronic devices or appliances plugged into the electric supply.

Signs Your Home Was Struck by Lightning

If you have a lightning rod installed on your roof, you may think you’re protected, but that’s not always true. Lightning can still damage your house if it strikes the electrical wiring or the plumbing.

Here are three signs your home was struck by lightning:

Roof Fire Damage

Lightning bolts carry a huge negative electrical charge and always seek the shortest path to the ground: your roof. As a result, a powerful lightning strike can smash through the roof, into the attic, and start a fire there.

When leaving the house is safe, check your roof for any holes or burn marks. If you notice damage, call a roofer to provide a repair cost estimate, which you can submit to your insurance company.

Shockwave Damage to Your House

If your home takes a direct lightning strike, it can create a powerful shockwave that is strong enough to break bricks, cinderblocks, and even concrete, causing structural damage. The financial loss will be significant, so it is best to leave the negotiations with your insurance company to experienced homeowners’ insurance claim attorneys.

Electrical Damage Inside Your Home

Lightning can damage your home even if it does not cause a fire. Look in the yard, as the lightning may have hit the ground nearby, allowing the electrical charge to enter the house through the pipes. You may have to replace the appliances plugged in during the lightning strike. Prepare a list with receipts of all electrical items damaged by lightning, including the date and amount of purchase.

Proving Lightning Caused Damage

You will need to show proof that lightning damaged your house and possessions. Photograph any damage to your home’s exterior, such as a hole or char marks as soon as it is safe to go outside. In addition, a ground strike can damage your electrical system and plumbing if it occurs near your house. If you notice any char marks or holes in your yard, take pictures of them.

Next, call a professional contractor to check out the damage. They can provide documentation that the damage is due to a lightning strike and the cost for replacements or repairs. These two items are crucial to submit to your insurer to file a claim.

When lightning strikes your home, electrical problems can affect the entire house, or anything plugged into sockets. You may lose major appliances wired into the house, such as your air conditioner or water heater, and appliances plugged into the walls. Check the damage and functionality of all these items to make a full claim.

Your Lightning Damage Insurance Lawyer

Lightning is a reality for anyone living in Florida. Ruel Law Firm can help you if the insurance company is not honoring its policy or if you need help with your insurance claim. If you pay insurance premiums for your home or business, you have a right to receive coverage when lightning damages or destroys your property.

At Ruel Law Firm , we fight to uphold your rights and will work tirelessly until you receive the compensation you are entitled to. Call us at 833-RUEL-LAW (783-5529) today or contact us online to schedule a consultation and learn more about your legal options.

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Sources:

https://www.myallianceinsurance.com/what-to-do-if-lightning-hits-your-house/

https://www.amfam.com/resources/articles/understanding-insurance/does-homeowners-insurance-cover-lightning

Miami Gardens Apartment Building Received Multiple Citations Before Fire

Fri, 28 Apr 2023 04:43:22 GMT

Sometimes fires happen accidentally, but in some cases, they can be prevented. Fires often occur due to negligence, such as building code violations that are ignored.

This was the case for the New World Condominiums, which caught fire on the morning of January 28. The Miami Gardens apartment building had received 21 citations before a fire destroyed the building and left almost 200 residents displaced.

Miami-Dade Fire Rescue responded to the fire at New World Condominiums, located at Northwest 177th Street. The fire damaged 75 apartments and caused the second floor of half of the building to collapse. Although nobody was injured, those residents were left without a home.

According to Red Cross officials, 39 displaced residents have been staying at the Betty T. Ferguson Recreational Complex while they find a more permanent solution. More than 100 displaced residents remain in shelters. They are receiving assistance and donations so they can have the bare necessities.

It’s a tragic situation for residents, as many are facing financial difficulties as they live paycheck to paycheck. Many have lost everything. Due to the extensive fire damage, the cause of the fire is still undetermined at this time. However, one issue is that the condo’s fire alarm system wasn’t working before the fire ignited.

To add insult to injury, the building manager told occupants that the condominium association had no fire insurance, since owners declined to pay a special assessment for a 40-year recertification.

An August 2021 report showed the building was deemed structurally and electrically safe for use. The building’s permit inspection history showed a current permit for the roof, but the inspection partially passed. One unit owner said there was a special assessment passed for the roof, but not for the recertification.

Since 2010, the Miami-Dade Fire Rescue has issued 21 citations to the New World Condominiums for fire code violations. The most recent one was in May 2021. About half of all those code enforcement cases remain open.

In 2022, the condominium association was found guilty of five fire code violations that were discovered in 2020. It was ordered to pay more than $21,000 for those violations. The violations have not been corrected and the association has not appealed.

In the meantime, lingering questions remain. For example, could the city have done more to ensure the building was safer? Most likely, yes.

The Florida building code sets minimum standards for health and safety. When a building violates the code, it can be a safety issue for occupants. As seen in this case, it can cause a fire.

If a building code has been violated and has caused you to suffer damages, contact a Lakeland building code violation lawyer from Ruel Law Firm. We can maximize the possible compensation for damage caused by a negligent building owner or contractor. To schedule a consultation with our office, fill out the online form or call (833) RUEL-LAW.

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Source:

https://www.nbcmiami.com/news/local/miami-gardens-apartment-building-issued-several-citations-before-fire-that-displaced-200/2962502/

Unlicensed Contractors In Florida

Fri, 28 Apr 2023 04:43:21 GMT

Unlicensed contractors in Florida are a growing concern for homeowners, businesses, and the state as a whole. An unlicensed contractor is an individual or a company that does not hold a valid license to operate as a contractor in the state of Florida. These unlicensed contractors typically advertise their services online or through door-to-door solicitation, often offering services at a lower price than licensed contractors.

Unlicensed contractors tend to come out in Florida after a weather event. This has been the case with Hurricane Ian. According to the Florida Department of Business and Professional Regulation, illegal activity by unlicensed contractors, including fraud, has been on the rise. Fortunately, there have been several arrests in the Central Florida area.

In the fiscal year after Hurricane Irma, consumers made 315 more unlicensed activity reports compared to non-hurricane years. In the fiscal year after Hurricane Michael, there were 459 more reports of unlicensed activity. Agency officials say they expect the number to be much higher post-Hurricane Ian.

Risks of Unlicensed Contracting

The risks associated with hiring an unlicensed contractor in Florida are numerous. Unlicensed contractors are not held to the same standards and regulations as licensed contractors. They usually do not carry the proper insurance or have the necessary training and experience to complete a job effectively. This can result in shoddy workmanship, property damage, and even personal injury.

Additionally, unlicensed contractors often do not obtain the required permits for their work, which can lead to legal trouble for the property owner. They may also not be aware of local building codes and regulations, which can lead to safety issues and further legal problems down the line.

The state of Florida takes the issue of unlicensed contractors seriously and has implemented strict laws and regulations to combat this problem. Under Florida law, anyone who performs construction work for compensation must be licensed. Failure to obtain a license can result in fines and even criminal charges.

What You Can Do

Homeowners can protect themselves from unlicensed contractors by verifying a contractor’s license status before hiring them. The Florida Department of Business and Professional Regulation maintains an online database of licensed contractors that can be easily searched. The agency is dedicated to investigating unlicensed activity and will take action against those found to be in violation of the law.

It is also important to ask for references, proof of insurance, and a written contract before hiring any contractor. By working with licensed and qualified contractors, you can ensure that your property is protected and that the job is completed to the highest standards.

Unlicensed contractors in Florida pose a significant risk to property owners. It is important to know how to spot them and turn them in so they can avoid victimizing others.

If you have been a victim of an unlicensed contractor, contact a Lakeland unlicensed contracting & fraudulent liens lawyer from Ruel Law Firm. We can protect your legal rights and keep you from being taken advantage of. Schedule a consultation today by calling (833) RUEL-LAW or filling out the online form.

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Source:

https://www.mynews13.com/fl/orlando/news/2022/10/27/dbpr-warns-homeowners-to-remain-vigilant-of-unlicensed-contractors

Steps To Take When Filing A Fire Damage Claim

Fri, 28 Apr 2023 04:43:20 GMT

Experiencing a fire in your home can be a devastating experience. It can cause serious damage to your property and put your family’s safety at risk. Even if you have homeowners insurance, you may be overwhelmed and unsure of what to do next.

Of course, you will want to file a home insurance claim to help cover the costs of repairing the damage to your home. Here are some key steps you should follow when filing a claim.

Contact Your Insurance Company

After a fire, contact your insurance company as soon as possible. Your policy may require that you report any damage within a certain time frame, so it’s important to act quickly. Your insurance company will ask for specific information about the fire, such as when it occurred, what caused it, and the extent of the damage.

Document the Damage

Don’t do anything until you document the damage as thoroughly as possible. Take photos and videos of every room in your home, as well as any damaged belongings. Be as detailed as possible, as this documentation will be important evidence for your insurance claim.

Secure Your Property

After a fire, your home may be vulnerable to theft. It’s important to secure your property as soon as possible. You may have to board up broken windows or doors and remove valuables from the premises.

Work With Your Insurance Adjuster

Once you’ve filed your claim, your insurance company will send an adjuster to assess the damage. They will determine the amount of compensation you can receive. Work closely with the adjuster and provide them with any documentation or information they request so they can process your claim as quickly as possible.

Get Several Estimates

While your insurance company may recommend a company to repair or rebuild your home, it’s always a good idea to get several estimates from different contractors. Make sure you’re getting quality estimates and work for the price. If you’ve had custom work completed in your home, you may want to get an additional estimate from a specialized contractor who can properly repair or replace it.

Keep Track of Expenses

Besides property damage, you should receive compensation for any expenses you incur as a result of the fire. These expenses may include temporary lodging, food, and transportation. Your insurance policy may cover these costs, so be sure to keep track of all receipts and other documentation.

Experiencing a fire in your home is a traumatic event, but filing a homeowners insurance claim can help you recover and rebuild. If you are having trouble with your claim, it may be time to seek legal help.

A fire in your home can be even more stressful when your insurance company does not act fairly. A Lakeland fire damage insurance lawyer from Ruel Law Firm can provide you with legal advice and make sure you get adequate compensation to repair or replace your home. Call (833) RUEL-LAW or fill out the online form to schedule a consultation.

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Source:

https://www.clovered.com/does-homeowners-insurance-cover-fire-damage/

Bad Faith Insurance

Fri, 28 Apr 2023 04:43:18 GMT

Insurance is designed to give people peace of mind, protecting them from financial loss in the event of a weather event, accident, or other event. However, sometimes insurance companies act in bad faith, which can have devastating consequences for clients.

Bad faith occurs when an insurance company denies or undervalues a legitimate claim made by a client. Essentially, bad faith refers to the idea that an insurance company is not acting in good faith when dealing with clients.

One of the most common types of bad faith insurance occurs when an insurance company denies a claim without a valid reason. Even if a claim is clearly legitimate, the insurer may find loopholes or other evidence to deny it.

Another form of bad faith insurance is when an insurance company undervalues a claim. Many insurers like to lowball claims, since they lose money when they pay out a claim. When the insurance company only offers a fraction of the actual cost of the claim, this is considered bad faith.

Delaying payment of a claim is another tactic used by insurance companies to avoid paying out the full amount of a claim. For example, if someone files a claim for a car accident, but the insurance company drags its feet in processing the claim, it can cause significant financial strain for the client. There needs to be a legitimate reason to deny a claim. An unnecessary delay can cause a customer to have to pay for repairs out of their own pocket while waiting for the insurance company to pay the claim.

There are also cases where insurance companies misrepresent the facts of a claim in order to deny coverage. For example, if someone files a claim for fire damage to their home, but claims that the homeowner engaged in arson without any proof, this is not only accusatory but it is also considered bad faith. The insurance company is misrepresenting the facts of the case in order to avoid paying the claim. Making accusations is not professional.

Bad faith can have serious consequences for clients. Not only is there the financial strain of paying for expenses that should be covered by insurance, but clients can also suffer property loss, emotional stress, and even physical harm as a result of the insurance company’s actions. It’s a good idea to hold insurance companies accountable for their actions, as this can protect other policyholders from experiencing similar mistreatment.

Insurance companies have a responsibility to act in good faith when dealing with their clients. When they fail to do so, it can result in devastating financial consequences.

If you believe that your insurance company is acting in bad faith, it is important to seek legal assistance. A Lakeland insurance bad faith lawyer from Ruel Law Firm can help you navigate the legal process and get justice. Schedule a consultation with our office today by calling (833) RUEL-LAW or filling out the online form.

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Source:

https://www.investopedia.com/terms/b/bad-faith-insurance.asp

Effects Of Tornadoes

Fri, 28 Apr 2023 04:43:17 GMT

Tornadoes can happen all across the country, but Florida sees its fair share. In 2022, Florida had the fifth-highest number of tornadoes in the United States, at 73. Mississippi had the most, at 183.

A tornado, in a nutshell, is a violent storm involving air. Tornadoes are formed from thunderstorms and involve a rotating column of air that touches the ground. They occur when updrafts of warm and wet air collide with cold air. This air is unstable and can cause significant damage to homes, vehicles, trees, and other objects.

Major tornadoes have significant force and can cause people to get seriously injured or killed. Mobile homes can be completely flattened and homes can be ripped from their foundations. Livestock and landscaping can get destroyed. Cars can get tumbled and damaged.

Tornadoes require the right conditions, which includes a layer of moist warm air near the ground. This type of weather typically occurs during spring and summer thunderstorms — from March to May.

Tornadoes have ratings that are based on the strength of their winds. These ratings are based on the Enhanced Fujita scale and can determine the damage they cause. There are six categories of tornadoes:

EF-0. These are 65 to 85 mph winds that can result in damage to house gutters, siding. and roofs. Small trees may get knocked over.

EF-1. These are 86 to 110 mph winds that can roll over a mobile home. Roofs can get stripped. Exterior doors to homes are often removed.

EF-2. These are 111 to 135 mph winds that remove roofs from homes, remove large trees from the ground, and lift cars off the ground.

EF-3. These are 136 to 165 mph winds that can damage multiple stories of well-built homes. Trains can overturn and trees can lose bark. These tornadoes can throw heavy vehicles through the air.

EF-4. These are 166 to 200 mph winds that can destroy well-built homes and throw cars into the air.

EF-5. These are 200 mph winds that can devastate everything in their path, including high-rise buildings.

If you have tornado insurance, you may receive compensation for these damages:

Loss of home. You may be entitled to coverage for the replacement value or current market value of your home.

Coverage for other structures. Garages, tool sheds, and other separate structures may be covered by insurance.

Personal property. Damaged belongings from a tornado may be covered.

Loss of use. When you cannot use your home and must pay for temporary living accommodations, you can recover compensation for those costs.

Tornadoes can cause significant damage to a home. If you have insurance, make sure your damages are paid for.

A Lakeland tornado damage insurance lawyer from Ruel Law Firm can help you take action against an insurance company that doesn’t want to take responsibility. We’ll help you get your claims paid. To schedule a consultation, fill out the online form or call (833) RUEL-LAW.

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Source:

https://www.sciencing.com/damage-caused-tornado-5529386.html

How A Hail Storm Can Affect Your Home

Fri, 28 Apr 2023 04:43:16 GMT

Many of us have experienced hail storms at some point. Maybe you were at work or home when it happened. Perhaps you were out on the roadways running errands.

Hail storms consist of balls of ice. They are often short-lived, lasting for fewer than 15 minutes. Many produce pebble-sized hail, but you have probably heard of hail the size of golf balls. This type of hail can be dangerous to buildings, cars, and other objects. While rare, massive hailstones can cause concussions and even fatal head injuries.

Hail damage will depend on the size of the balls and the speed at which they fall. Hail is very destructive to homes, with 1 in 35 homeowners reporting a hail storm claim each year. Hail storm claims are on the rise due to the increased use of vinyl siding for home exteriors. While vinyl siding is made to endure extreme winds and can generally withstand severe weather, large hailstones can hit the panels and cause them to crack or chip. Light hailstorms can be damaging to aluminum siding.

Hail storms have grown more destructive in recent years. They are becoming more prevalent and the damage has become more expensive due to larger homes being built and more homes being built in vulnerable places. Plus, the cost of roofing materials has skyrocketed, resulting in larger claim amounts.

Is Your Home Damaged?

Has your home sustained hail storm damage? Here are some signs to look for:

Dented gutters and downspouts
Dents, dings, buckling, warping to siding and window sills
Significant or uneven gaps across layers of siding
Property damage to your shed, deck, patio, and vehicles

Preparing for a Hail Storm

Do the following to prepare for a hail storm:

Bring pets inside. Bring dogs and cats inside the house or in some type of protected shelter.

Shelter vehicles. When possible, move vehicles into the garage or some other covered space.

Shelter outdoor items. Bring in any outdoor furniture, potted plants, or other items that can be damaged.

Be prepared for an electrical outage. A hailstorm can knock out power. Have a generator or flashlights handy.

Move inside. Even small hailstones can injure a person, so don’t stay outdoors. Get indoors as soon as you can.

Secure windows. Close all drapes and blinds so that broken window glass cannot enter your home.

Take precautions when driving. If you’re driving during a hailstorm, stay inside your vehicle. However be prepared to slow down or stop, as roads may become slippery. Pull over and cover yourself with a blanket to protect yourself from broken glass.

Hail storms may seem pretty tame, but many are severe, causing harm to everything in their paths. They cause billions of dollars in damage in the United States every year.

If your home or other property suffered hail damage, contact a Lakeland hail storm damage insurance lawyer from Ruel Law Firm. We’ll assess your case and ensure your claim is approved. Call (833) RUEL-LAW or fill out the online form to schedule a consultation with our office today.

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Source:

https://www.hanover.com/resources/tips-individuals-and-businesses/prepare-now-learn-how/understanding-effects-hailstorms#:~:text=Hailstorms%20can%20cause%20dents%20in,asphalt%20roofs%20or%20wood%20shakes

Common Window Defects

Sat, 22 Feb 2020 05:43:15 GMT

Windows play an important role in your home. Not only do they look good, but they provide function. For example, they keep drafts out of your home, keeping it cool (or warm) as needed. Windows also keep pests out of your home.

During home inspections, there are various issues that tend to crop up when it comes to windows. These issues can ruin the looks of your windows and make them less effective. Here are some common defects to be aware of.

Difficult Operation

This is one of the most common issues with windows. Windows should open and close with little effort, but this is not always the case. Sometimes they are hard to get open; other times, it’s difficult to close them. In most cases, dirt and dust are the culprits, so it may just require some cleaning with a lubricant, like WD-40. Sometimes windows are painted shut, so you may need to remove some paint. In some cases, the spring or sash may be broken.

Warping

Wood windows may warp if moisture gets into them. They may expand and contract, causing windows to warp and bend. If the warping damage is minor, filler can be used to cover cracks. A new coat of paint or protective stain to your windows every few years can prevent warping. If the warping is severe, it can affect the function of your window. Consider getting a replacement.

Condensation in the Panes

One of the downsides of having multiple-paned windows is that condensation or fog can form in between the glass. A broken seal can cause the gas fill to escape. Heat and heavy rainstorms can cause the seal to break. When this happens, it detracts from the appearance of the window and makes it inefficient. A defogging spray or shaving cream can serve as a temporary fix. Proper ventilation can also remove excess moisture.

Damaged Flashing

You may know that roofs have flashing, but so do windows. The flashing on windows is used to keep water out. They are made of aluminum or galvanized steel and are installed over joints to keep water from seeping inside. Damage to the flashing can also cause damage to the drywall and siding.

Faulty Hardware

The cranks, locks, and latches on windows can wear out over time. This can cause them to not work as well or even break. This means replacing the hardware, which is easier for more modern windows. Finding replacement parts on older windows can be more challenging.

Windows are important features in a home. When they don’t work properly, they can let in hot or cold air as well as pests, making your home uncomfortable.

If your windows are defective, a Lakeland window & door defects lawyer from Ruel Law Firm can help you get compensation. We can assess your case and determine liability. Schedule a consultation by filling out the online form or calling (833) RUEL-LAW.

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Source:

https://www.woodbridgehomesolutions.com/blog/home-improvement/most-common-window-defects-you-need-to-be-aware-of/