What Are Your Options: Non-Renewed Home Insurance
Insurance companies often catch their policy holders off guard when they choose to issue a notice of non-renewal. One should note that an insurance company can non-renew a home insurance policy for multiple reasons. A few of those reasons include no longer offering the coverage you were formally paying for or you no longer fit into their acceptable risk profile. When a policy holder receives a notice of non-renewal, it often leads to feelings of confusion and panic. If your policy is non-renewed, it is important to be aware of the options available to you.
COVID and Your Court Date
Courts, already overburdened by case loads, have found themselves in even more of a backlog due to COVID-19 pausing jury trials. As a result, cases have been unable to move forward and are piling up. Courts and attorneys have been trying to find ways to help alleviate this backlog. One avenue being taken is the use of non-binding arbitration, which is governed by section 44.103 of the Florida Statutes and rule 1.820 of the Civil Rules of Procedure.
Mortgage Moratorium and Forbearance Periods: Are you at risk for Foreclosure?
With the coronavirus pandemic, many people have found themselves in a position where they are unable to make ends meet, resulting in a failure to pay their mortgages. Fortunately for many, the Government has provided temporary relief by implementing a foreclosure moratorium for federally guaranteed mortgages until June 30, 2021. In addition, they have provided respite for Borrowers of non-federally backed mortgages, by making it more accessible to qualify for mortgage forbearance periods. What exactly do mortgage moratorium and foreclosure periods entail? Essentially, lenders and/or servicers temporarily allow Borrowers to reduce or skip making principal and interest payments for up to a year or longer. For some, this is their last shot and only shot at saving their home. But, while these periods allow Borrowers extra time in their homes, the question then remains, what happens when the moratorium and forbearance periods end? Could you be at risk of losing your home to foreclosure?
Debating a Trial Court Venue In Florida
If you feel that a contracted with party has breached the terms of your agreement, absent specific language in the contract, any trial court in the state has jurisdiction to hear your claim. However, not all of court are “proper” venues. Determining which courts are proper is a very important strategic step to consider before initiating litigation. Indeed, when determining venue, absent a contractual provision to the contrary, the choice of venue should be carefully weighed alongside Chapter 47 of the Florida Statutes.
Can My Insurance Company Drop Me?
A question I am often asked is, can my insurance company drop me? First, we must properly define the terms “dropped” and “nonrenewal”. Oftentimes people use the terms interchangeable- which is incorrect. Nonrenewal is the point where your policy has reached its normal expiration date. For example, your policy is from January 1, 2020 through January 1, 2021 and thus your policy has expired.
How To Get Florida Homestead Protection and How It Protects You
How can you get it and how does it protect you? Homestead exemptions are incredible laws that protect families living in the state. The concept of homestead exemption derives from public policy, rather than principles of equity. There are three different benefits of Florida homestead exemptions:
What To Do When a Family Member With An Open Homeowner’s Claim Dies Without A Will.
Due to the global Coronavirus pandemic, people who would otherwise be expected to live a long fruitful fulfilled life are finding themselves on death’s door and sometimes crossing over that threshold permanently much sooner than anticipated. Many people who own real property in the state of Florida were completely unprepared and had no estate planning prepared as they thought that they had plenty of time to get those things in order.
How the Florida No Fault Act Affects PIP Insurance
The foundation of the Florida No-Fault Act, codified in Florida Statute § 627.736 is to provide swift and virtually automatic payment so that the injured insured may get on with his or her life without undue financial interruption. Indeed, Personal Injury Protection (“PIP”) insurance benefits are disbursed by the first-party insurance company regardless of the fault of the individuals involved in causing the injury. Covered individuals include the named insured, relatives residing in the same household of the named insured, individuals operating the insured motor vehicle, passengers in the motor vehicle, and other persons struck by the motor vehicle and suffering bodily injury while not an occupant of a self-propelled vehicle themselves.
Protecting Yourself from a Social Media Defamation Lawsuit
Social media has become a part of our daily routines. Each day we absentmindedly scroll through Facebook and Instagram or shoot off tweets on Twitter. Because of this, there is an increase of chances of posting content or having content posted about us that may lead to a defamation suit, especially in the era of COVID-19 as well as an election year. It’s important for us to be cognizant of our social media presence and be aware of the options in the unfortunate case of being defamed or posting something defamatory.
Florida Speedy Trial Rights
With COVID-19 halting jury trials across the country, it has sparked curiosity about Florida’s speedy trial rights. In Florida, as with every state, the government is bound by the Sixth Amendment of the United States Constitution, which requires those accused of a criminal offense to be given a speedy trial. This right has been deemed a fundamental liberty and its intent is to ensure a fair trial, minimize the anguish of drawn out accusations, and prevent prolonged pretrial detentions.