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...

Constable Law hopes that you are enjoying your summer, but wants to remind you that severe summer weather can cause property damage. If you experience damage to your home and are wondering whether it is covered by your property insurance, please call us for a free consultation. Our phone number is 727-797-0100 or you may reach us by email at contact@constable-law.com

This morning storms rolled into the Tampa Bay area, and there were several reports of lightning including one home that was struck in Pasco County. You can read more about it here:


It serves as a reminder that this is the time of year where Mother Nature can cause damage to our homes. If your home experiences damage caused by fire, water, wind or hail, and you need help with your property insurance, please contact us at 727-797-0100 or by email at contact@constable-law.com. We will provide a free initial consultation.

Today, April 7, 2016, the counties of Pinellas, Pasco and Hillsborough experienced severe weather including confirmed tornadoes in Clearwater and Port Richey. More information is available here: 


If your home was impacted, or you have any questions about how to deal with the damage, please contact us for a free consultation by phone at 727-797-0100 or by email at contact@constable-law.com.

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 22, 2016

Constable Law, P.A. has been working tirelessly to get the new office ready. We look forward to being open at 323 Main Street, Safety Harbor, Florida soon. 



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