Articles Posted in Homeowners Insurance

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Angel I. Rivera has joined Cecere Santana, PA as an associate attorney. Mr. Rivera will be working with the legal team handling Property Litigation claims. As part of this team, he will be responsible for helping clients whose homes or businesses have been damaged by hurricanes, storms, fires, water damages or other types of property claims.

Mr. Rivera joins Cecere Santana after a successful career handling property claims. Previously, Mr. Rivera represented insurance companies in cases related to property insurance claims, which gives him a unique perspective when representing our clients. He knows first-hand how insurance companies operate and the best way to help our clients receive the right compensation for their property loss.

A graduate from Western Michigan University Thomas M. Colley Law School, Mr. Rivera is fluent in Spanish. He is also a graduate of Florida Atlantic University with a Bachelor’s Degree in Communications.

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Hurricane Irma wreaked havoc across much of South Florida last month, leaving many residents with the monumental task of rebuilding their lives in the wake of the storm. Some Floridians were lucky and were able to avoid the storm for the most part, making their transition to post-hurricane life smooth. However, for others, fallen trees, damaged roofs and windows, and extreme water damage caused significant property damage, requiring tens of thousands of dollars to rebuild, if not more.

For most affected homeowners, their South Florida property insurance policy should cover much of the damage they sustained in the storm. Indeed, according to a recent news report, there have been approximately 562,000 insurance claims filed related to Hurricane Irma damage. Added up, these claims represent about a $3.6 billion loss, and that figure is expected to increase with time. Most of the claims came from Miami-Dade, Orange, Broward, and Lee Counties.

Given the number of claims filed in South Florida last month, one may expect that a homeowner will face significant delays when waiting for their claim to be approved. In addition, if the insurance company does not agree with the homeowner’s claim amount, it may offer a reduced figure in hopes of a quick settlement. A desperate homeowner in need of financial assistance to rebuild their life may be tempted by such an offer; however, an insurance company’s initial offer is rarely non-negotiable.

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As Hurricane Irma approaches we encourage our friends and clients to prepare for the storm and wish for everyone’s safety.

Following are some important numbers to keep with you during and after the storm:


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Hurricane Irma continues to threaten Florida in the upcoming days. As many of us run around trying to get our home and families ready for the storm, it’s equally important to have your hurricane insurance matters in order.

This is the time to review your policy and prepare in case you need to file a claim. Following are some important reminders:

•Take still pictures or videos of your house and personal belongings to insure there is no doubt as to what you owned before the storm.

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