Question 1

Does insurance company cancel policy?

Accepted Answer

Yes, an insurance company can cancel your policy, but Florida law limits when and how they can do so. After the first 90 days of coverage, insurers may only cancel for reasons such as nonpayment of premiums, fraud, or material misrepresentation. Under Florida Statute 627.728, insurers must provide at least 45 days written notice before cancellation, or 10 days for nonpayment. If your policy was wrongfully canceled, you may have legal recourse. For a free case review, call Louis Law Group at (833) 657-4812.

Question 2

What can i do if an insurance company is stalling?

Accepted Answer

If your insurance company is stalling, you may have grounds for a bad faith claim under Florida Statute §624.155, which requires insurers to handle claims fairly and promptly. Florida law generally requires insurers to pay or deny a claim within 90 days of receiving proof of loss. You can file a Civil Remedy Notice with the Florida Department of Financial Services, giving the insurer 60 days to resolve the issue before you can sue. For a free case review, call Louis Law Group at (833) 657-4812.

Question 3

Can insurance company rescind policy?

Accepted Answer

Yes, an insurance company can rescind a policy, but only for material misrepresentation or fraud on the original application, not simply because a claim is filed. Under Florida Statute 627.409, the insurer must prove the misrepresentation was material and would have affected their decision to issue the policy. If rescission is improper, it may constitute bad faith. Insurers must also return all premiums paid. For a free case review, call Louis Law Group at (833) 657-4812.

Question 4

Does house insurance cover leaking shower?

Accepted Answer

Whether house insurance covers a leaking shower depends on the cause. Most Florida homeowners policies exclude gradual leaks or maintenance-related deterioration but may cover sudden, accidental water damage resulting from the leak. If your insurer denied a valid claim for shower-related water damage, Florida Statute 627.70131 requires insurers to pay or deny claims within 90 days of proof of loss. For a free case review, call Louis Law Group at (833) 657-4812.

Question 5

What insurance cover burst pipes?

Accepted Answer

Standard homeowners insurance typically covers sudden and accidental burst pipe damage, including water damage to walls, floors, and personal property. However, gradual leaks or damage caused by neglected maintenance are usually excluded. In Florida, insurers must acknowledge a claim within 14 days and pay or deny within 90 days under Florida Statute 627.70131. For a free case review, call Louis Law Group at (833) 657-4812.

Question 6

Does house insurance cover fence damage?

Accepted Answer

Homeowners insurance typically covers fence damage caused by covered perils such as windstorms, fire, vandalism, or falling trees, but does not cover damage from wear and tear, rot, or flooding. In Florida, where hurricane and tropical storm damage is common, your policy may have a separate wind or hurricane deductible that applies to fence claims. Under Florida Statute 627.70131, your insurer must make a coverage decision within 90 days of receiving your claim. For a free case review, call Louis Law Group at (833) 657-4812.

Question 7

How much does one get for disability?

Accepted Answer

The average monthly SSDI benefit in 2026 is approximately $1,580, though your actual amount depends on your lifetime earnings record and Social Security contributions. SSI pays up to $967 per month for individuals with limited income and resources. Florida does not offer a state supplement to federal disability benefits. For a free case review, call Louis Law Group at (833) 657-4812.

Question 8

Is ground water covered by insurance?

Accepted Answer

Groundwater is typically not covered by standard Florida homeowners insurance policies. Most policies explicitly exclude damage caused by water below the surface of the ground, including seepage, leakage, or flooding from groundwater sources. Florida law allows insurers to include these exclusions, and courts have generally upheld them. If your claim was denied due to a groundwater exclusion, an attorney can review whether the exclusion was properly applied. For a free case review, call Louis Law Group at (833) 657-4812.

Question 9

Does house insurance cover water leaks?

Accepted Answer

House insurance typically covers sudden and accidental water damage, such as a burst pipe, but excludes gradual leaks or damage from neglected maintenance. Whether your claim is approved often depends on how quickly the leak occurred and whether it was reasonably preventable. Under Florida law, homeowners have two years from the date of loss to file a property insurance claim. For a free case review, call Louis Law Group at (833) 657-4812.

Question 10

How to file a complaint against health insurance company in florida?

Accepted Answer

To file a complaint against a health insurance company in Florida, submit your complaint online or by phone to the Florida Department of Financial Services, Division of Consumer Services, at 1-877-693-5236 or through their website. Florida law requires insurers to acknowledge complaints promptly and respond within specific timeframes under Chapter 627, Florida Statutes. If your claim was wrongfully denied or delayed, you may also have grounds for a bad faith insurance claim. For a free case review, call Louis Law Group at (833) 657-4812.

Question 11

Does a home warranty cover water damage?

Accepted Answer

Home warranties generally do not cover water damage to your home's structure or belongings — that protection falls under your homeowners insurance policy. A home warranty may cover repair of the failed appliance or plumbing system that caused the leak, but the resulting damage is a separate claim. In Florida, insurers must acknowledge claims within 14 days and pay or deny within 90 days under Florida Statute 627.70131. For a free case review, call Louis Law Group at (833) 657-4812.

Question 12

Can you work while waiting for social security disability?

Accepted Answer

Yes, you can work while waiting for SSDI, but earning above the Substantial Gainful Activity limit — $1,620 per month in 2026 — can result in SSA denying your claim on the grounds that you are not disabled. Keeping income below this threshold is critical throughout the application and appeals process. Florida claimants often face wait times of 12 to 24 months or more, making careful income management essential. For a free case review, call Louis Law Group at (833) 657-4812.

Question 13

How to file water damage claim?

Accepted Answer

To file a water damage claim, notify your insurance company promptly, document all damage with photos and videos, and submit a written claim with an itemized list of losses. Under Florida law, insurers must acknowledge your claim within 14 days and make a coverage decision within 90 days. Keep records of all repair costs and communications with your insurer. For a free case review, call Louis Law Group at (833) 657-4812.

Question 14

Can i work full time and collect social security disability?

Accepted Answer

Generally, no. Social Security considers you ineligible for SSDI if you engage in Substantial Gainful Activity, which in 2026 means earning more than $1,620 per month. However, SSA does offer a Trial Work Period allowing you to test your ability to work for up to nine months without losing benefits. Florida residents follow these same federal rules. If you have questions about how work affects your claim, For a free case review, call Louis Law Group at (833) 657-4812.

Question 15

Do homeowners policies cover mold?

Accepted Answer

Homeowners policies in Florida typically cover mold only when it results from a sudden, accidental covered peril such as a burst pipe — not from flooding, gradual leaks, or neglected maintenance. Florida law now requires homeowners to file new property insurance claims within one year of the date of loss, so prompt action is critical if mold follows a covered water event. For a free case review, call Louis Law Group at (833) 657-4812.

Question 16

Can u work and receive disability?

Accepted Answer

Yes, but with limits. SSDI recipients can work during a nine-month Trial Work Period without losing benefits, and after that, earning above the Substantial Gainful Activity threshold (currently $1,620 per month in 2026) can suspend or terminate your benefits. SSI recipients can also work, but benefits are reduced based on earnings. Florida claimants should report any work activity to SSA promptly to avoid overpayments. For a free case review, call Louis Law Group at (833) 657-4812.

Question 17

Does building insurance cover bathroom leaks?

Accepted Answer

Building insurance typically covers sudden and accidental bathroom leaks, such as a burst pipe, but excludes damage from slow or gradual leaks caused by wear and neglect. In Florida, insurers frequently deny claims by arguing a leak was long-term and maintenance-related, even when the damage was sudden. If your claim was denied or underpaid, Florida law allows you to challenge that decision. For a free case review, call Louis Law Group at (833) 657-4812.

Question 18

How much money can you make and still draw disability?

Accepted Answer

In 2025, Social Security disability recipients can generally earn up to $1,620 per month before SSA considers them engaged in Substantial Gainful Activity (SGA), which can trigger a review or loss of benefits. This limit adjusts annually. Florida has no separate state earnings threshold, as SSDI is a federal program. During a Trial Work Period, you may temporarily earn more while SSA evaluates your work capacity. For a free case review, call Louis Law Group at (833) 657-4812.

Question 19

Does insurance cover mold in attic?

Accepted Answer

Does insurance cover mold in attic? Florida homeowners insurance may cover attic mold only if it results from a sudden, covered peril such as a burst pipe or storm damage — not from long-term moisture buildup or poor ventilation, which insurers typically exclude as maintenance issues. Florida law requires insurers to pay, deny, or acknowledge claims within specific timeframes under the Florida Insurance Code. For a free case review, call Louis Law Group at (833) 657-4812.

Question 20

Is rain damage covered by insurance?

Accepted Answer

Rain damage from a sudden storm event, such as wind-driven rain entering through a damaged roof or broken window, is generally covered by standard Florida homeowners insurance. However, gradual water intrusion or flooding caused by rising rainwater typically requires separate flood insurance and is excluded from most policies. Florida Statute 624.155 protects policyholders from bad faith claim denials. For a free case review, call Louis Law Group at (833) 657-4812.

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