Florida Insurance Blog

Florida Insurance Blog

Providing Insight Into Florida Insurance Law and Litigation

Mark A. Nation is a civil trial lawyer who limits his practice to wrongful death, personal injury, and insurance cases. He is a member of the Million Dollar Advocates Forum whose members must have settled one or...MORE

Category Archives: Homeowners Insurance

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Hail Damage Investigation

Posted in Homeowners Insurance, Roof Claims
In every roof damage claim I pursue, I, and my experts, perform a forensic examination of the roof.  A forensic roof inspection includes photographs and a video inspection of the roof.  In hail damage cases we look for hail impact marks on the shingles, the soft metals on the roof, and screen enclosures… Continue Reading

Sinkhole Lawsuit Filed Against Homeowner’s Insurer

Posted in Sinkhole
My client noticed cracking around the exterior of then garage, and then in her living room.  She was concerned that this may be a sinkhole so she contacted her homeowners insurer.  The homeowners insurance company retained an engineering firm (which I have seen on hundreds of sinkhole claims) and not surprisingly, the engineering firm declared that … Continue Reading

Roof Claim Settled

Posted in Roof Claims
About 2 months ago, I filed a lawsuit against my client’s homeowners insurance company for refusing to pay for wind damage to his roof.  The insurance company had hired an engineer who wrote a report stating that there was no wind damage… Continue Reading

Neutral Evaluation Statue Found Constitutional

Posted in Sinkhole
In two recent decisions rendered on June 29, 2012 and on July 11, 2012, the Second DCA held that Florida Statute Section 627.7074 – the Sinkhole Neutral Evaluation Statute – was constitutional.  The two cases are entitled State Farm Florida Insurance Company v. Buitrago, ____ So.3d ____ (Fla. 2nd DCA 2012) and Sunshine State Insurance Company v. … Continue Reading

Lawsuit Filed for Vibration Damage to Home

Posted in Earth Movement, Homeowners Insurance
Our client’s home was severely damaged because of the vibrations and underground shock waves caused by nearby bridge construction.  This type of damage is often covered by your homeowners insurance.  This is true even if the insurance policy has an exclusion for “earth movement.”  (Those exclusions typically only exclude naturally occurring earth movement, not man-made … Continue Reading

Lawsuit Filed for Wind Damage to Roof

Posted in Roof Claims
We recently filed a lawsuit against American Traditions Insurance Company on behalf of our client.  Our client is a homeowner who sustained wind damage to her roof and interior water damage during the March 30/31, 2011 unnamed storms.  The homeowners insurance company only paid for in the interior damage and claimed that the roof was … Continue Reading

Lawsuit Filed for Sinkhole Damage

Posted in Homeowners Insurance, Sinkhole
My client recently noticed cracking in the walls and foundation of his home.  He asked his homeowners insurance company to inspect for possible sinkhole activity affecting his home.  The homeowners insurer retained an engineer and a geologist to inspect the home and perform sinkhole testing.  The insurance company’s engineer and geologist concluded that there was … Continue Reading

Lawsuit Filed for Wind Damage to Roof

Posted in Homeowners Insurance, Roof Claims
My client, who lives in eastern Volusia County, suffered wind damage to his roof during a significant unnamed storm on January 25-26, 2011.  He submitted the claim to his homeowners insurer.  As often happens, the homeowners insurance company hired an engineering firm to inspect the roof and prepare a report.  As often happens, the engineer … Continue Reading

Water Damage to Tile Floors

Posted in Homeowners Insurance
Tile floors are cemented into place when they are installed.  Water intrusion at a home can often result in floor tiles becoming loose.  The technical term for this is “debonding” of the floor tiles.  Debonding occurs when water breaks the seal between the tile and the concrete which bonds the tile to the floor. Debonded … Continue Reading

Lawsuit Filed Against Homeowners Insurance Company for Wind Damage to Tile Roof

Posted in Homeowners Insurance, Roof Claims
My client, a local lawyer, sustained substantial wind damage to his tile roof as a result of the severe unnamed storm that hit our area on March 30, 2011.  He submitted the claim to his homeowners insurance company.  The insurance company had his roof inspected by an engineering firm that found that his tile roof - which … Continue Reading

Lawsuit Filed Against Homeowners Insurance Company for Deficient Sinkhole Remediation Plan

Posted in Homeowners Insurance, Sinkhole
After back-to-back trials which ended last week, I’ve been quite busy meeting with new clients.  In this case, my client’s homeowners insurance company confirmed that his house was suffering from damage from sinkhole activity.  The insurance company hired an engineering firm to prepare a sinkhole remediation plan.  On its face, the remediation plan appeared deficient.  I … Continue Reading

Lawsuit filed Against Homeowners Insurer for Improper Sinkhole Repair Technique

Posted in Homeowners Insurance, Sinkhole
My client’s homeowners insurance company has confirmed that a sinkhole is damaging his home. Additionally, several of his surrounding neighbors have sustained significant sinkhole damage. The insurance company retained an engineering firm to come up with a sinkhole remediation plan. The plan suggested by the insurer’s engineering firm is inadequate in two very significant respects… Continue Reading

Successful Trial on Homeowners Case

Posted in Homeowners Insurance
My clients sustained lightning damage to electrical items in their home. A few weeks later, someone stole their truck from their driveway and torched it.  The truck contained a significant amount of Ham Radio equipment as well as other items. They filed claims with Allstate, their homeowners insurance company, for the lightning damage, and also for the … Continue Reading