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Understanding the Appraisal Process
As a homeowner, you might feel like the insurance company has the upper hand when it comes to replacing or repairing your damaged property. But it’s important to understand that you have options if you aren’t satisfied with the amount your insurer offers to settle a...
Frequently Asked Questions about Property Damage Claims: What to Know, What to Do and What to expect
What is covered in my policy? Hurricane damage can be overwhelming from a homeowner’s policy perspective. Damage from debris (such as a fallen tree) or wind (such as rain blown through a broken window or roof) is generally covered. Damage from rising waters and street...
Your Homeowners Insurance Claim Was Denied – What To Do Next
It is an all-too-common tale, especially in and around South Florida, including Palm Beach, Hollywood, Fort Lauderdale, North Miami Beach, Miami Beach and Miami– a storm hits or another event like a fire leaves your home seriously damaged. Across the United States,...
Understanding Florida’s Value Policy Law
If you have a residential home insurance policy or commercial premises insurance policy, there is an important statute that comes into play if you file a claim. It is Florida Statute § 627.702, also known as “Valued Policy Law.” This law establishes that an insurer...
Property Insurance for Rental Properties and Tenants
Florida homeowners know that they’re responsible for preparing for severe weather. They board up their windows, bring in outdoor furniture and do everything they can to protect their homes against hurricane, tropical storm, and other weather-related damage. But what...
Types of Homeowner’s Insurance Policies
According to the Florida Office of Insurance Regulation, more than 703,000 Florida home and business owners have filed insurance claims for damage caused by Hurricane Irma in September. That comes out to more than $4.5 billion in claimed losses. But Irma isn’t the...
Understanding the Proof of Loss Requirement
After you file a property damage claim, you might receive a proof of loss request from your insurance company. A proof of loss is a statement made under oath that provides relevant information about the insured’s claimed property damage. This is not something you can...
Examinations Under Oath for Third-party Claims
Most property insurance policies contain a provision permitting the insurer to take sworn testimony from the insured. This process is called an Examination Under Oath (“EUO”), which is used to learn information about the claimed loss and to obtain relevant documents...
Can Citizens Property Insurance Be Held Liable Under Bad Faith Statute?
In 2015, the Florida Supreme Court unanimously ruled that the state’s bad faith statute does not apply to Citizens Property Insurance Corporation, a government-created entity that provides property insurance. The government created Citizens Property in 2002 to provide...
Florida’s Bad Faith Law
Under Florida law, insurers owe their customers a certain duty of care. They must act fairly and honestly and with due regard for the customer’s interests. For example, if, when considering all the circumstances, an insurer could have settled a claim if it had acted...
U.S. Congressman Proposes Changes to National Flood Insurance Program
The federal government is considering a measure that could raise flood insurance rates for hundreds of thousands of homeowners, including here in Florida. Flood insurance generally covers damage that is specifically as the result of a flood, and that is sustained by...
What If Your Homeowner’s Insurance Provider Denies Your Claim?
Homeowner’s insurance is supposed to give you peace of mind against unforeseen expenses and natural disasters. So what do you do if your insurance company denies your claim for damages? If the insurance provider denies your claim or underpays your claim, you can file...
EXAMINATION UNDER OATH Q&A – First Party Claims
My insurance company is insisting that they take an Examination Under Oath (EUO). What is an EUO? An EUO is a legal procedure that is part of your property insurance claim process, where you, the homeowner a.k.a. the “insured” is asked questions by your insurance...
Understanding Your Insurance Policy Before and After a Hurricane
Hurricanes can be devastating, especially if your insurance policy doesn’t cover the full extent of hurricane-related property damages or if you don’t take certain steps after a storm strikes. Forecasters from the National Oceanic and Atmospheric Administration...
Preparing for an Active Hurricane Season
The 2017 hurricane season is officially under way, and forecasters predict that warm ocean temperatures this summer will produce more storm activity than usual. That’s important news for Floridians, who live in a hurricane-prone state and who should ensure that their...
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Insurance Litigation Group serves clients across the state of Florida. With over 5 offices statewide, our attorneys have the knowledge, skills and experience to resolve your dispute against the insurance company.
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