Florida Insurance Blog

Florida Insurance Blog

Providing Insight Into Florida Insurance Law and Litigation

Mark A. Nation is Board Certified in Civil Trial Law, and also in Business Litigation Law by the Florida Bar. Although there are about 100,000 attorneys in Florida, less than 100 hold these two Board Certifications...MORE

ERISA Long Term Disability Victory

Posted in Disability, ERISA, Long Term Disability

Most ERISA disability policies state that the insurer has “discretionary authority” to make all decisions regarding whether to award or deny disability benefits.  If the policy contains this “discretionary authority” provision then the disability claimant can usually only overcome a denial if we are able to prove that the denial was: 1) wrong; and 2) the decision was arbitrary and capricious.  This is an extremely difficult burden to meet.  “Wrong” is not enough.   It has to be wrong, and arbitrary and capricious. Continue Reading

Hail and Wind Storm Damage in Poinciana and Kissimmee

Posted in Homeowners Insurance, Roof Claims

On the afternoon and evening of March 26, 2016 a major hail and wind storm pummeled the Poinciana and Kissimmee, Florida area.  Coincidentally, this was on the 24th anniversary of the catastrophic Central Florida Hail storm of March 26, 1992.  It was that 1992 storm that launched me into specializing in insurance claims for homeowners.  Since 1992, I’ve helped 1,000’s of people with homeowners insurance claims against their homeowners insurance companies.

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Looking at the devastation I’ve seen from photographs and videos from Poinciana and Kissimmee, I am convinced that there will be 100’s (if not 1,000’s) of unpaid insurance hail damage claims.
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Coverage Granted Under Separation of Insureds Clause

Posted in Bad Faith, Business Insurance

In Taylor v. Admiral Insurance Company, ____ S.3d ____ (Fla. 3rd DCA February 10, 2016), Ms. Taylor sued Hello Florida, Villa Vizcaya and Miami-Dade County as a result of a slip and fall injury. Hello Florida was the named insured under the Admiral Comprehensive General Liability Insurance policy.  Hello Florida was Ms. Taylor’s employer. Villa Vizcaya and the County qualified as additional insureds under the policy.

Admiral Insurance refused to defend or indemnify Hello Florida, Villa Vizcaya and the County.  Continue Reading

Pre-Litigation “Discovery” in PIP

Posted in Auto Insurance, PIP

In Shands Jacksonville Medical Center, Inc. v. State Farm Automobile Insurance Company,  40 FLW D1447a (Fla. 1st DCA June 22, 2015), the First District Court of Appeals ruled on the ways a PIP carrier can obtain information from PIP medical providers in Florida pre-litigation.

In this case, State Farm, sent a pre-litigation request to Shands pursuant to Florida Statute Section 627.736(6)(b) asking for: Continue Reading

Hail Damage Lawsuit Filed

Posted in Homeowners Insurance, Roof Claims

My clients purchased a replacement cost homeowners insurance policy.  On July 12, 2014, their roof sustained hail damage.  As in many of these cases, the insurance company hired an engineer to inspect the roof.  The engineer inspected the roof and wrote an extensive report concluding that there was no hail damage.  Instead, according to the insurance company’s engineer, the roof was old and suffered from manufacturing defects, and damage from foot traffic.  (This is almost exactly what the insurance company said in the trial I won a few weeks ago where the jury deliberated for about 18 minutes before returning a verdict in favor of my clients). Continue Reading

Another Suit Filed As Result of March 24, 2013 Wind and Hail Storm

Posted in Homeowners Insurance, Other Articles, Roof Claims

As I’ve written before, on March 24, 2013, a severe unnamed wind and hail storm hit the Central Florida area.  The storm caused significant damage to area homes and businesses.  In this case, our clients purchased replacement costs homeowners insurance coverage for their home.  Replacement cost insurance coverage pays the cost of replacement if any part of your home is damaged.  Replacement cost coverage pays the replacement cost without any deduction for age, and there is no depreciation or pro rata reductions of any sort.  This includes the replacement of a roof regardless of age if it needs replacement due to storm damage.  Continue Reading

Insurance Company Not Allowed to Insert Term Prohibiting Assignment of Benefits in Policy

Posted in Assignments, Homeowners Insurance

In Security First Insurance Company v. State of Florida, Office of Insurance Regulation, 40 FLW D1449a (Fa. 1st DCA June 22, 2015), Security First sought to amend its insurance policy form to prohibit post-loss assignment of benefits without the insurer’s prior approval.  Security First submitted its proposed policy form change to the Florida Office of Insurance Regulation.  The OIR rejected the change because it would Continue Reading

Drone Insurance Claim Victory

Posted in Business Insurance, Coverage Questions, Property Insurance

Our client, a custom photography firm specializing in high quality commercial photography, purchased insurance for its Hoverfly Scripta drone.

The Hoverfly was damaged when it crashed after losing power during flight.  Our client submitted an insurance claim for the damage.  The insurance company denied the claim, citing to an exclusion in the
Hoverfly 1Hoverfly 2 Continue Reading