In One Call Property Services, Inc. v. Security First Insurance Company, 40 FLW D1196 (Fla. 4th DCA May 20 2015), One Call took an assignment of benefits from an insured homeowner after the homeowner hired One Call to perform clean up services caused by a water leak.
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Homeowners Insurance
Can Homeowners Replace Their Roof During Litigation?
I represent many homeowners and business owners who are suing their insurance company for roof damage from wind or hail. Many times, the leaking in the house gets so bad that the roof must be replaced during the course of litigation. My clients frequently ask whether it is ok to replace their roofs during the litigation. The short answer is “yes.” But, there are some caveats.
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Hail and Wind Storm Hits Oviedo and Winter Springs
On May 20, 2015, a powerful wind and hail storm plowed through the Oviedo and Winter Springs area in Seminole County, Florida. The storm dropped hail and brought powerful winds throughout the region. I’ve helped 1000’s of people with homeowners and business owners insurance claims for wind and hail damage to their homes and roofs.
If you believe your home or business has suffered wind or hail damage let me review that claim with you for free.
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Jury Victory in Hail Damage Case
Like almost all homeowners in Florida, my clients have a replacement cost homeowners’ insurance policy. This means that regardless of the age of their roof, the insurance company promised to pay the costs for a new roof if the roof has to be replaced because of hail or wind damage. (Don’t feel too sorry for the insurance companies, they charge a premium for this replacement cost coverage, and they are not forced to offer this type of coverage if they don’t want to.)
On July 8, 2012, my clients home was hit by a hail storm. At the time of the storm their architectural shingle roof was 15 years old. The homeowners submitted the claim to their homeowners insurance company. Their
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Lawsuit Filed in Sinkhole Case
My clients noticed cracking around the outside of their home. They also noticed that they were having trouble closing doors in their home. They reported the claim to the homeowners insurer for suspected sinkhole damage.
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Lawsuit Filed on Roof Damage Case
My client was at home during a severe hail and wind storm which occurred on March 24, 2013. She even has pictures large pieces of hail in her hand. Her roof sustained significant hail and wind damage. She promptly called her homeowners insurance company to report the claim, and it promptly denied the claim – saying they were unaware of any storm, and did not see any storm damage.
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Lawsuit filed in Fire Loss Case
My client and his wife came home one day and their home had burned to the ground. In addition, 50 years of memories and possessions were also destroyed. The insureds promptly reported the claim to their homeowners insurer, and the nightmare began.
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Florida Supreme Court Rules on Overhead and Profit
In January, I conducted a jury trial for a case involving water loss. The policy provided for replacement coverage, and also provided my client’s insurance company with the “right to repair” the damage.
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Hail Damage Investigation
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.
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Sinkhole Lawsuit Settled
About 3 months ago I filed a lawsuit on behalf of a homeowner as a result of his homeowners insurance company denying a sinkhole claim.
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