Updating Your Policy to Protect Future Claims
One of the more overlooked aspects of purchasing automobile insurance is updating your insurance company when your children become of driving age. Your insurance company adjusts your annual premium based on how many people in a particular household could realistically be driving the
What is the Residence Premises Clause?
Most policies provide insurance coverage for the Residence Premises and though each
policy’s definition of the Residence Premises varies, most define the Residence Premises as the
following:
Save Your Records!
Insurance carriers often try to avoid paying for a covered loss by claiming the damages predated
the loss and were caused by misplaced policy exclusions such as wear, tear, deterioration,
marring aging, mechanical defects, or other pre-existing issues. To help homeowners combat
Deep Dive on Insurance Deductibles
In almost every homeowner’s insurance contract, there is a deductible that the homeowner is
required to pay before insurance proceeds become due and owing. Many times, the amount of the
deductible is dependent on whether the claim is a hurricane loss or a non-hurricane loss. Although
Tips for Filing an Insurance Claim
If you have observed damage to your home, you may have considered filing an insurance claim. Here are
a few things to be mindful of when beginning this process:
Selling My Home While Litigiating Against My Insurance Carrier
There have been many times throughout my years of practice that I have been asked the question: “Can I sell my home while I am actively litigating my claim against my homeowner’s insurance company?” In short, the answer is, yes. However, recent legislative changes have created quite a stir as to whether or not this can still be done.
Recently Moved to Florida? A Few Things to Keep in Mind Regarding Florida Homeowner’s Insurance Claims That Might Surprise New Floridians.
In 2014, Florida was considered the Country’s 3rd largest state in population, and growing at a rapid rate. Often State Leaders are heard estimating that over 1,000 people each day relocate or move to Florida. A testament to all Florida has to offer – but new Florida Residents can have a serious learning curve regarding home maintenance and homeowner’s insurance in Florida.
Do I Need To File a New Claim?
If you have already made a claim on your home before, you are likely in one of three different situations that would require reporting the damages to your carrier. It can be confusing at times to know what your next best steps are, which is why it is best to call the carrier or your legal counsel when in doubt.
Repairing Your Property During an Insurance Dispute
In accordance with your homeowner’s insurance policy, part of the duty of the Insured is to allow for inspection of the damaged property by the carrier. If the insured undergoes a repair without notifying the carrier, then the carrier may later claim that they cannot inspect the damage to the property because it has already been repaired. The carrier may claim it has been prejudiced in its ability to fully inspect the damage to your property.
Insurance Company Insolvency and FIGA
Insurance company insolvency can be a significant issue for policyholders, as it can result in unpaid claims and financial losses. In Florida, the Florida Insurance Guaranty Association (FIGA) provides protection to policyholders when an insurance company becomes insolvent.