July 7, 2016

Citizens Property Insurance Corporation recently made changes to their insurance policies that significantly impact water damage claims. Here are the 3 most important things you need to know about these changes:

1) When taking emergency measures to protect your property from further water damage, the cost may not exceed the greater of $3,000 or 1% of your coverage, unless approved by Citizens;

2) Citizens can deny reimbursement for permanent repairs that begin more than 72 hours after the loss is reported, unless approved by Citizens; and

3) Citizens will only cover the access required to repair/replace the portion of the system that caused the loss.

If yo...

February 25, 2016

Constable Law, P.A. is officially open in downtown Safety Harbor. We are located at 323 Main Street. Feel free to come by and see us.

February 8, 2016

Assignment of Benefits (AOB) has been a hot button topic for a while. Do you know what signing an AOB means for your claim? Do you know what an AOB means for the repairs being conducted at your property? 

With added pressure, especially from insurance companies, to do something about AOBs, legislators are getting involved and this could impact the future of AOBs and your claims. You can read more about the proposed bills as well as some opinions on AOBs here:


If you have questions about AOBs, please contact us at contact@constable-law.com. 

February 3, 2016

As of January 20, 2016, Citizens Property Insurance Corporation decreased the number of insurance policies it had to just 484,788 policies. This is a significant reduction from the 1.5 million policies it had in 2011.

You can read more about the decrease in policies here.

If you have any questions about your insurance policy, or you were one of the insureds that had their Citizens' policy assumed by another carrier and you are wondering what this means, please contact Constable Law for a free consultation.

Please reload