When water drips from your ceiling, your neighbor is not automatically responsible for your repair bills. In Florida, a major water leak from an upper-floor condominium into your unit is governed by …
How Apartment Owners & COA Boards Can Protect Against Negligent Security Lawsuits and Lower Insurance Costs through Florida’s Multifamily Safe Harbor (F.S. § 768.0706)
Florida Statute § 768.0706 (Multifamily Residential Property Safety and Security; Presumption Against Liability)—enacted as part of Florida’s landmark 2023 tort reform (HB 837)—is one of the most …
Unlocking Hidden Savings for Those Who Serve: Why Harris Insurance Leads Northwest Florida in Home, Landlord, and Condo Coverage
As we reflect on Veterans Day, all of us at Harris Insurance Services extend our deepest gratitude to the brave men and women who have served and continue to serve our nation. Living and working here …
The Scariest Unknowns Hidden in Your Florida Homeowners Policy & How to Avoid an Insurance Horror Story
Halloween season is filled with haunted houses, spooky movies, and jumping at bumps in the night. But if you’re a Florida homeowner, there’s something even scarier lurking right in your own filing …
The Great Insurance Flip: Property Rates Are Softening, So Why Are HOA & COA Liability Premiums Still Climbing?
For the first time in years, Florida Condominium Associations (COAs) and Homeowners Associations (HOAs) are seeing relief on the property side of their insurance renewals. Driven by the 2022–2023 …
How Should Florida Homeowners Prepare for a Hurricane?
Insurance & Home Preparation Guide Quick Answer: Florida homeowners can prepare for hurricane season by reviewing their insurance coverage, understanding their hurricane deductible, documenting …
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