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

On June 5, 2015, a powerful wind storm hit the Leesburg area in Lake County, Florida.  The storm was strong enough to tear off roofs, and damage shingles.

As a lawyer for policy holders for the past 25 years, I know that there will be insurance claims arising from this storm which insurance companies will wrongly deny, delay or underpay.  It is inevitable.

What do you do if you have claim that is denied, delayed or underpaid?  That is easy.

Continue Reading Wind Storm Hits Leesburg

Today, in Citizens Property Ins. Co. v. Mango Hill #6 Condominium Assoc., Inc., ___ So. 3d ___, No.: 3D10-2630 (Fla. 3rd DCA July 10, 2013) the 3rd DCA once again held a trial court erred in applying Florida’s arbitration rules to insurance appraisals. Mango Hill involved a Hurricane Wilma claim, and Citizens had issued a commercial windstorm damage policy covering Mango Hill’s 7 building condominium complex.
Continue Reading Third DCA Distinguishes Appraisal and Arbitration

I am pleased that this blog has been nominated as one of the top 50 insurance blogs for 2009.  If you could, it would be helpful for you to comment on our nomination by clicking this link

The voting concludes on July 9, so time is of the essence.  If you think we should

On December 11, 2008, the Florida Supreme Court held that a parent does not have the authority to execute a pre-injury release on behalf of a minor child when the release involves participation in a commercial activity.

In Kirton v. Fields, SC07-1379 (Fla. Dec. 11, 2008), a parent took his 14 year old son to

First Floridian Auto & Home Insurance Company v. Myrick, 32 FLW D2672a (Fla. 2nd DCA Nov. 9, 2007)

This is a good case for insureds and their lawyers who are forced to file a lawsuit in order to get the insurance company to do the right thing.

In this case, the insured presented a sinkhole