How to Handle an Insurance Inspection for Sustained Hurricane or Storm Damage to your Property
You recently became aware of or noticed property damage to your home, and, if you’re like me, you’re probably thinking about how greatly inconvenienced you now are (I was in the middle of arranging my travel plans for my cousin Vic’s wedding, and now this?!). But, you keep on swimming and deal with the incident by taking the first step: immediately report the damages, if you haven’t already done so, to your insurance carrier. By reporting the damages, you take a crucial step in mitigating the scenario and put your carrier on notice for any repairs that your home may require.
You CAN Drive, Even After a DUI
The bad news is, it’s no secret that one night of fun can land you into some serious trouble with the law, and most often, it’s no easy feat to get yourself out of it. When you’re standing in the midst of the consequences of a suspended or revoked license, it can wreak havoc on your commitment to work, home or school. The good news is that there is a limited solution to these life-hampering consequences and here at Cohen Law Group, we can assure you that your daily life CAN still go on, even after a DUI arrest.
Hurricane Preparedness for the 2020 Season
The 2020 hurricane season is upon us and Cohen Law Group want to remind all to be prepared for the season. The National Oceanic and Atmospheric Administration Climate Prediction Center, a division of the National Weather Service, predicts a 60% chance of an above-normal season for the 2020 hurricane season which runs from June 1 through November 30.1
Insurance Companies are NOT Your Friends
Despite how sweet and nice your insurance agent might be, no matter how kind the adjuster sounds on the phone, insurance companies often do not have your best interest at heart. Insurance companies make their money by collecting premiums, and not paying out. Even if your insurance company did pay out something, it’s usual not enough. – You have to remember that they are a business. They’re in this to make money. They’re not a charity.
Hurricane Irma Insurance Claims Deadline Approaching
Hurricane Irma caused massive property damage throughout Florida. Residential roof damage is one of the most common types of damage caused by Hurricane Irma. Unfortunately, roof damage can be very difficult, if not impossible, to notice.
Fighting a Denial of Coverage for Wear and Tear Roof Damage
Within the realm of homeowners’ insurance roofing claims, among the most common reasons why insurers deny claims is wear and tear. “Wear and tear” refers to the damage to your roof that happens as your roof ages, particularly as the roof reaches the end of its usable life. Wear and tear is almost always excluded by the terms of your insurance policy, so insurance carriers will deny a claim if they believe that the claimed damage was caused by normal wear and tear rather than by a covered event, such as a storm or a hurricane.
The Dangers of Right to Repair Clauses in Your Insurance Policy
When you file a claim with your insurance company after your property has sustained damage, the insurance company may elect to invoke its “right to repair” clause under your policy. These provisions may seem innocent enough at first glance. However, a “right to repair” clause may give an insurance company total authority in choosing which contractor to perform repairs covered under the insurance policy. In other words, you may lose control over selecting a reputable contractor who performs quality work.
What is Ordinance and Law Coverage?
Ordinance and law coverage is extremely important for many reasons and many people don’t have a good understanding of how it works. Ordinance and law coverage is additional coverage that is available to you so that the repairs you do are brought up to the current code.
What is UM coverage and why is it so important in Florida?
Unfortunately, this is a common situation for many drivers since Florida currently does not require its residents to carry bodily injury liability coverage (BI) for non-commercial purposes. In other words, Florida only requires non-commercial drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PD). PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered accident, no matter who is at fault. PD coverage pays for damage to another driver’s property caused by you or someone else driving your vehicle.
Ways to Keep Safe While Running Essential Errands
According to the Center for Disease Control (CDC), social distancing is vital right now as we work to slow the spread of COVID-19. One of the most important things, the CDC points out, is to avoid shopping if you’re sick or have symptoms of COVID-19, which include a fever, cough, or shortness of breath. This sounds pretty straightforward, however, on April 3, 2020, WESH 2 News Station published breaking news article where the heads of Seminole County were forced to make an executive order that required anyone who has tested positive for the virus to stay home or face penalties after the county learned that people who tested positive for the virus had been leaving quarantine and traveling around the county running errands.