Year: 2026

In Florida, a wind/hail exclusion means an insurance policy does not cover certain losses caused by wind, hail, or related storm events. For commercial property owners, understanding when this exclusion…

When a commercial building in Florida suffers a total roof loss from a hurricane, windstorm, fire, or another covered event, building valuation can have a major impact on how the…

A named-storm or hurricane deductible is the amount a property owner must pay out of pocket before insurance pays for covered damage caused by a qualifying hurricane or named storm.…

When a commercial property owner files an insurance claim for roof damage, the deductible can significantly affect the amount the insurance company pays and the amount the owner must pay…

Coinsurance is an insurance policy provision that can reduce a property insurance claim payment when a building is insured for less than the percentage of its value required by the…

Ordinance or Law coverage is an important part of property insurance that can help pay the additional costs required when a damaged building must be repaired or rebuilt to comply…

Yes, Ordinance or Law coverage can help pay for certain code-required upgrades during a reroof, but only when the upgrades are triggered by a covered insurance loss and the policy…

A neighboring building can damage your commercial roof even when the failure occurs entirely on the adjacent property. Shared walls, close building spacing, falling debris, drainage systems, fire, wind, and…

Skylights provide valuable natural light and can reduce daytime lighting needs, but they are also vulnerable points in a commercial roofing system. Because skylights are installed through the roof assembly,…

Yes. In Florida’s High-Velocity Hurricane Zone (HVHZ), skylights generally must be designed to resist wind-borne debris impacts or be protected by an approved external protection system. This requirement is especially…