Michael Bowman

Blog by Michael Bowman

When "fore" may equal 1

Need Help With a Texas Homeowners Claim?

If you’re dealing with repeated golf-ball damage—or any roof or property claim, my office can help you understand your rights, challenge improper deductible stacking, and force carriers to follow Texas law and the policy language they wrote.

Schedule a consul...

Wear and Tear in Insurance Claims: What Carriers Don’t Want You to Know

HERE IS THE SECRET. INSURANCE POLICIES ARE WRITTEN BY ATTORNEYS AND IF THEY ARE AMBIGUOUS, IT IS LIKELY INTENTIONAL!

What “Wear & Tear” Really Means

Insurance companies often deny claims by citing “wear and tear.” In plain English, that’s just the natural aging of your property. Think:

  • Paint fading...

Estimating Permit Costs in Florida: Best Practices for Contractors, Adjusters, and Attorneys

Estimating building permit fees accurately is crucial for Florida construction projects. Contractors, insurance adjusters, and construction attorneys often need to budget permit costs for bids or claims. However, permit fee structures vary widely across Florida jurisdictions, and underestimating the...