Latest News from Kowzan Law

This is a common concern of many claimants and a valid one.   Imagine this; after many years of faithfully paying their premiums-a homeowner’s prop...

Generally, insureds should endeavor to comply with all conditions and duties under their homeowner’s insurance policy, especially when the insuranc...

How important is it to comply with all “Duties After Loss,” that are listed in your homeowner’s insurance policy?   To the best of an insured’s abi...

What happens when an insured’s home has existing claim damage from a prior storm and a new storm occurs causing more damage, while the claim is sti...

Policies containing “election-to-repair” or “preferred contractor” endorsement language are NOT preferable...let me explain why.     Many of Flori...

On this quiet Wednesday afternoon, as the 2020 Hurricane Season comes, it is important to prepare for the likelihood of potentially significant st...

Many Florida insurance companies include language in their policies that limits the ability of a policyholder to recover for a hurricane or windsto...

As we sit here today, the usually humid and hot south Florida climate added to almost daily deluges brought by recent thunderstorms and associated...

Ordinarily, most insurance policies include coverage for the reasonable cost of necessary emergency measures taken to mitigate damages caused by a...