Sarasohn & Company, Inc.

05/06/2026

https://www.insurancejournal.com/news/southeast/2026/05/04/868420.htm

A new analysis suggests Americans are being overcharged by $150 billion annually to insure their homes, autos and businesses — and it proposes federal

04/16/2026

https://www.insurancejournal.com/news/southeast/2026/04/15/865886.htm

Florida's population is growing rapidly, with over 23 million residents currently, and a projected growth of approximately 1.24% annually. Florida's

03/30/2026

https://www.propertyinsurancecoveragelaw.com/blog/a-new-york-lesson-for-a-florida-loss-why-prompt-notice-of-loss-and-policy-language-matter-more-than-you-think/

March 30, 2026 A recent decision involving a Florida hotel should be studied by commercial policyholders, insurance agents, and property insurance claims professionals.

03/25/2026

https://www.propertyinsurancecoveragelaw.com/blog/florida-forensic-engineering-standards-debate/

Florida forensic engineering standards debate shows how proposed rules could favor insurers over truth in claims.

03/23/2026

https://www.propertyinsurancecoveragelaw.com/blog/why-are-they-called-declarations-pages-because-they-declare-more-than-most-policyholders-realize/

March 21, 2026 Most policyholders think the real substance of an insurance policy is buried somewhere deep in the exclusions, conditions, and endorsements. Those

03/17/2026

🚨 The Importance of an Impartial Umpire in Insurance Appraisal

When a property insurance claim turns into a dispute over the amount of damage or cost of repairs, many policies allow the issue to be resolved through an appraisal process rather than going straight to court.

Here’s how it works:
• The policyholder selects an appraiser
• The insurance company selects an appraiser
• If those two cannot agree, they appoint a neutral third party called an umpire

The umpire plays a critical role—reviewing the competing estimates and helping determine the final amount of the loss. In fact, an appraisal award can become binding when any two members of the panel agree.

That’s why choosing the right umpire is so important.

An umpire must be truly impartial, experienced, and free of conflicts of interest. If the wrong person is selected—especially someone with ties to insurers or other hidden biases—the outcome of the appraisal can be unfairly influenced.

🔎 Homeowners should always carefully vet any proposed umpire by reviewing their background, experience with property damage claims, and potential conflicts before agreeing to their appointment.

At Sarasohn and Company, Inc., we help policyholders navigate complex claim disputes and appraisal situations to ensure the process remains fair, transparent, and focused on the true cost of restoring your property.

If your insurance company is undervaluing your claim or pushing for appraisal, make sure you have experienced advocates on your side.

📞 If you have questions about your property damage claim, feel free to reach out.

03/10/2026

https://www.propertyinsurancecoveragelaw.com/blog/the-hail-loss-date/

Determining the hail loss date is critical in coverage disputes, because without proof of when damage happened, the claim can fail.

03/03/2026

https://www.propertyinsurancecoveragelaw.com/blog/when-the-ice-melts-what-new-yorks-snowiest-season-in-a-decade-means-for-property-insurance/

❄️ After the Snow: What New Yorkers Need to Know About Winter Property Damage & Insurance 🏠

New York just experienced its snowiest season in a decade, with record-breaking snowfall shaping up to create serious property issues as spring arrives. From heavy snow loads on roofs to ice dams and slow-forming water damage, the thaw ahead could reveal hundreds of costly claims.

Here’s what every property owner should understand:

🔹 Snow isn’t just pretty — it’s heavy. Accumulated snow can stress roofs and structural elements, especially on older buildings.

🔹 Ice dams are a hidden hazard. When snow melts and refreezes at roof edges, water can back up under shingles and into walls and ceilings, causing interior damage that may not show until the thaw begins.

🔹 Water damage often develops slowly. Unlike sudden loss events (like roof collapse), damage from ice dams and water intrusion can take weeks to manifest — making early inspection and documentation crucial.

🔹 Insurance coverage varies. Claims for sudden collapse due to heavy snow weight are often covered, but disputes commonly arise over ice dam-related water damage and long-term maintenance issues.

📌 Pro tip for property owners: As the snow melts, inspect roofs, ceilings, gutters, and walls, and review your policy’s snow- and ice-related coverage. Early action and thorough documentation can make the difference in a successful claim.

If winter left you with visible damage — or if your insurer is questioning coverage — our team is here to help you navigate the process and fight for the settlement you deserve. 💼

March 3, 2026 New York is finally headed for some warmer weather after a long, icy winter. Early 2026 brought the city its snowiest season in the last decade, with

02/24/2026

https://www.propertyinsurancecoveragelaw.com/blog/regulate-claims-not-just-rates/

💡 Regulate Claims — Not Just Rates 💡

Too often, insurance regulation focuses almost exclusively on how much a policy costs — the rates — and not enough on how claims are actually handled when disaster strikes. 📉 💥

A recent article from the Property Insurance Coverage Law Blog makes a critical point: regulators emphasize solvency and rate filings, but that means the true test of an insurance contract — what happens when a policyholder suffers a loss and needs to get paid — gets short-changed.

Here’s the reality:

🔹 Insurance isn’t a commodity — it’s a promise.
🔹 That promise is validated when a claim is paid fairly and promptly.
🔹 Yet too often regulators treat claims handling as an afterthought — a “customer service” issue — instead of a core regulatory function.
🔹 When claims performance isn’t measured, regulated, and held to professional standards, policyholders are left to navigate their most important financial events alone.

As a public insurance adjuster, I see firsthand what happens when the system prioritizes prices over performance — and homeowners pay the price. 🏘️

👉 It’s time for regulators to give claims delivery equal weight with rates — because a policy’s real value shows up after the storm has passed.

Let’s push for a regulatory framework that ensures not just affordable insurance — but fair, transparent, accountable claims outcomes. 🙌

Are regulators policing price more than performance? Wildfire claims show what happens when service oversight lags.

12/15/2025

https://www.propertyinsurancecoveragelaw.com/blog/homeowners-cannot-understand-their-policy-even-when-they-read-it/

📄🔍 Ever feel like your homeowners policy might as well be written in another language? You’re not imagining it — even diligent homeowners don’t truly understand their own coverage, and that’s exactly why insurance companies count on confusion to avoid paying what’s owed.

Don’t go it alone. A public insurance adjuster knows how to read between the lines, interpret complex policy language, and fight for every dollar you deserve. 💪🏠

👉 Contact us today — we’ll help you make sense of your policy and maximize your claim payout! 🔍 Ever feel like your homeowners policy might as well be written in another language? You’re not imagining it — even diligent homeowners don’t truly understand their own coverage, and that’s exactly why insurance companies count on confusion to avoid paying what’s owed.

Don’t go it alone. A public insurance adjuster knows how to read between the lines, interpret complex policy language, and fight for every dollar you deserve. 💪🏠

👉 Contact us today, call 561-368-5000 — we’ll help you make sense of your policy and maximize your claim payout!

December 13, 2025 For years, those of us who work in the trenches of property insurance claims have known that most policyholders have no real shot at understanding their