Mold is one of the most misunderstood — and most contested — areas of Florida homeowners insurance. Ask ten homeowners whether their policy covers mold damage and you'll likely get ten different answers. The reality is more nuanced than most people realize, and the difference between a covered mold claim and a denied one often comes down to a single question: what caused the water that caused the mold? In Florida's climate, mold isn't a remote possibility. It's an active risk

Water damage is one of the most common — and most expensive — property insurance claims in Florida. But not all water damage looks like a flooded floor or a dripping ceiling. In many cases, the most costly water damage is the kind you can't see: moisture working silently behind walls, under floors, and inside structural cavities for weeks or months before it becomes visible. By the time water damage is obvious, it has usually already caused significant harm. Mold is growing.

Water damage can be stressful and confusing. A sudden burst pipe, roof leak after a storm, or even a slow plumbing issue can leave you asking, “Should I file a home insurance claim for water damage?” At Santos Public Adjusters, we guide homeowners through these decisions every day. Let’s break it down so you can make an informed choice for your home. Understanding Water Damage and Insurance Coverage Not all water damage is treated equally by insurance companies. Here’s what y

With over 25 years of experience in the insurance industry—starting my career as an adjuster for the insurance companies—I have seen every tactic used to minimize, delay, or deny legitimate property damage claims. When you transition from working for the insurance carriers to representing the policyholders, you bring a unique playbook to the table. I know their procedures, their guidelines, and exactly how they evaluate risk and payout. Today, as the Lead Public Adjuster at S

In the sunny and tropical paradise of South Florida, owning a home is a dream come true. The charm of older homes, built before 1976, adds character to many neighborhoods. However, hidden within the walls and beneath the floors of these charming abodes lie a potential threat—cast iron pipes. We'll explore the implications of cast iron pipes in South Florida homes built before 1976, their potential for causing damages, what homeowners should look for, and how Santos Public Adj