When an unforeseen accident or incident occurs, it is common for people in Florida and throughout the country to rely on insurance policies for financial protection and support. While the process of monetary recovery is often smooth, there are some instances where an insurance company claims a policy wasn’t in effect at the time of […]

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Living in Florida, everyone is familiar with the devastating impact hurricanes can have on properties. In the aftermath of a hurricane, filing an insurance claim is often the first step towards recovering the losses and rebuilding lives, but there are times when insurance companies deny hurricane claims, leaving policyholders frustrated and unsure of what to […]

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While Florida is known for its sunny, warm days and beautiful beaches, it is also no stranger to storms and floods. The risk of flooding is a regular concern for Tampa homeowners and businesses alike. This is because the Tampa area does not have a lot of topographical relief when heavy rains and tropical storms […]

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Sinkhole damage can be extremely expensive, and because of Florida’s unique geology, compared to other US states, sinkholes happen more often than they do in other areas of the country. Because of this, there are specific regulations and laws when it comes to assessing sinkhole damage and obtaining compensation through insurance claims. Insurance companies have […]

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If you are wondering about what the responsibilities are for Florida insurance companies, know that there is an area of law specifically designed for these determinations. Property and casualty law in Florida refers to the legal principles and regulations that govern the insurance industry in the state. Property and casualty insurance covers a wide range […]

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As an insurance policyholder, there may come a time when you file a property and casualty claim. Essentially, property and casualty law in Florida is the body of law that governs the legal rights and responsibilities of insurers and their policyholders when it comes to property and casualty insurance coverage within the state. If you […]

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There are times when a person has accumulated accident expenses but is unsure about pursuing damage recovery. This could be true for a range of reasons. Some people have seen a lot of TV shows or movies where a cruel individual seeks money from others through fraudulent claims. Or maybe you personally know the person […]

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The COVID-19 pandemic created widespread–and unprecedented–disruption to Florida’s economy. Many businesses suffered a severe drop in revenue and were forced to temporarily or permanently close their doors. This, in turn, spawned a wave of business lawsuits against insurance companies who denied claims under “all-risk” commercial insurance policies. Commercial Policies Required “Physical” Damage to Property The […]

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Insurance companies will often seek declaratory judgments to determine their obligations under a particular policy. For example, if someone is injured on another person’s property, the company that insures the property owner may seek a declaratory judgment that it has no duty to defend or indemnify that owner should they be sued. Keep in mind, […]

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In Florida insurance law, an appraisal provides a means of resolving a dispute between the insurer and the policyholder regarding the amount of a covered loss. Appraisal is not meant to resolve whether a claim is insurable to begin with. Rather, it provides a way to arbitrate the question of how much the insurer owes […]

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