Tag Archives: Florida Property Insurance Claims
How Does a Total Property Loss Affect My Mortgage?
For Florida homeowners, a total property loss can be absolutely devastating. As we all know, a house is more than a structure that is sitting on a parcel of land. It is a home that is filled with precious memories and sentimental possessions. Dealing with a total loss, whether from a fire or a… Read More »
Florida Property Insurance Claims: Vandalism
Vandalism occurs when someone, often an unidentified person(s), causes deliberate or negligent damage to your property. From graffiti to broken windows to smashed property, vandalism can come in a wide variety of forms. While Broward County is one of the safer counties in Florida, vandalism still occurs here. In this post, our experienced Fort… Read More »
Florida Appeals Court Rules that Policyholder’s Claim Was Wrongfully Dismissed
On August 23rd, 2017, Florida’s Second District Court of Appeal reversed a lower court decision in the case of Castro v. Homeowners Choice Property & Casualty Insurance Company. The trial court in this dispute had ruled that the homeowners could not bring a legal claim on the grounds that they failed to comply with… Read More »
Florida Supreme Court Rules “Ambiguous Term” Must Be Construed in Favor of Coverage
On July 13th, 2017, the Florida Supreme Court issued a decision in the case of Government Employees Insurance Company (GEICO) v. Alysia M. Macedo. This lawsuit involved a dispute over ambiguous insurance policy language. In this post, our experienced Fort Lauderdale property insurance litigation attorneys analyze the case and discuss what it can teach… Read More »
Florida Supreme Court Releases Clarifying Opinion on Insurance Claims Involving Multiple Causes of Loss
Most property insurance policies offer coverage for some, but not all causes of loss. Indeed, in many cases, policies will explicitly exclude coverage for certain causes of damage. For example, you may have a homeowner’s insurance policy that offers coverage for wind damage but no coverage for damage caused by a flood. Of course,… Read More »
Three Things You Should Know About Water Damage and Insurance Claims
Did your home or business suffer major water damage? If so, you are not alone. Water damage is one of the most common reasons why people file property insurance claims. In fact, the Insurance Journal reports that 30 percent of all homeowner claims filed between 2009 and 2015 were due to water damage. About… Read More »
Florida Property Insurance Claims: The Duty to Cooperate
The vast majority of property insurance policies contain a cooperation clause. Essentially, this provision will detail your contractual and legal obligations to cooperate with any investigation into your claim that is being conducted by the insurance company. Policyholders must take the time to understand their respective policy’s cooperation clause. Further, it is critically important… Read More »
Florida Property Insurance Claims: What You Need to Know About Proof of Loss
When you file a property damage claim, you want to be paid out as soon as possible so that you can get started making repairs. However, in some cases, there may be a delay. You may receive a proof of loss request from your insurance company before any settlement offer is made. If you… Read More »
Florida Property Insurance Claims: What is Depreciation?
You likely own many different valuable assets that experience wear and tear and will eventually need to be replaced. This loss of value is known as depreciation. Issues related to depreciation may potentially come up in your property insurance damage claim. In fact, many disputes arise over the valuing of depreciable property. Recovering Compensation… Read More »
I Don’t Have Any Receipts, Can I Still Make a Property Insurance Claim?
Property insurance disputes arise for many different reasons. In some cases, there may be a disagreement over whether a particular type of property damage is covered at all. In other cases, it may be clear that the damage is covered, but there may be a sharp dispute over the value of the losses. In… Read More »