New 10 Day Right of Recission
Effective July 1, 2024, Florida residential property owners can cancel a contract to repair or replace a roof without penalty or obligation within 10 days after signing the contract if the contract was signed during a state of emergency. To cancel the contract within the 10-day period during a state of emergency, the homeowner must send the notice of cancellation by certified mail with return
Your Policy May Contain Critically Important Water Damage Endorsements
Florida is growing at a rapid rate; this is not news to most Floridians. As a result, Insurance Brokers
are often selling policies at such a pace that they can rarely keep up with business. Unfortunately, that
leaves homeowners in a position where they potentially don’t understand what is in their own policies.
Help! My insurance company is asking for a plethora of information regarding my claim & why do they need all of this information?
Florida, insurance policies often include post-loss conditions that policyholders must follow after experiencing a loss. These conditions are critical for ensuring that the insurance claim process goes smoothly and that the insurer can properly assess and handle the claim. Here are some typical post-loss conditions you might encounter in a Florida insurance policy:
What Alternatives do I Have to Suing My Insurance Company?
A homeowners’ insurance policy is a two-way street, requiring both the homeowners and the insurance company
to uphold their end of the bargain. The homeowners pay premiums every month, recognizing that if an unforeseen
loss occurs, their insurance company will provide the needed indemnity to restore their property to its pre-loss
Understanding Your Plaintiff Deposition: What You Need to Know
If you have filed a lawsuit against your insurance company, one of the first things the attorney for your
insurance company will likely do is request to take your deposition. “What is a deposition?” is a logical
and understandable question for a homeowner to have in this situation. Knowing what to expect and
The Need for Transferable Water Mitigation Credits
Mitigation credits are an important part of our current land use system. They provide important liquidity to otherwise environmentally encumbered land while striking a balance between developmental goals and environmental policy. Under the current framework, mitigation bankers can purchase land in need of mitigation from a private party, perform said mitigation, and then sell credits to developers who need to offset their environmental impacts.
What Happens When My Claim Goes into Litigation?
The litigation process can be a very foreign process for the average person. The first part of the process
is filing a Complaint against the insurance company, alleging what the insurance company has done
wrong. When dealing with property damage, this is a breach of contract action in which we allege that
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