Understanding What Specific Damage Is Covered By An Insurance Policy
Even when an insurance company is required to cover some damages arising from a specific event, such as water damage, that does not necessarily mean the policy covers all damages…
Insights
Are Appraisal Provisions In Insurance Contracts Binding On Third Party Assignees?
Homeowner’s insurance policies often contain appraisal clauses. Appraisal is a form of alternative dispute resolution similar to arbitration. In its simplest form, an appraisal…
Tampa Judge: Business Liability Insurers Not Responsible For Claim Made Prior To Policy Period
Insurance disputes often involve complex questions of law and contract interpretation. Yet many cases boil down to a single question: Does the insurance policy actually cover the…
Is It “Bad Faith” For An Insurance Company To Include A Proposed Release With A Settlement Offer?
Florida law requires all insurance companies to act in good faith when approving, denying, or settling claims. An insurer that fails in this duty may face a bad faith lawsuit from…
When Are Insurance Companies Obligated To Honor A Coblentz Agreement?
Insurance companies have a duty to act in good faith when handling an insured party’s claims. This often includes defending the insured against lawsuits that are within the scope…
Will “Business Interruption” Insurance Cover COVID-19 Related Losses?
The COVID-19 pandemic has caused a significant disruption to many Florida business owners. It has also led to litigation over the scope of “business interruption” insurance. In…
What The CDC’s New 60-Day Eviction Moratorium Means For Florida Renters
In early August, the U.S. Centers for Disease Control and Prevention (CDC) issued a new 60-day moratorium on residential evictions in certain parts of the country that continue to…
When Is An Insurance Company Required To Honor An Assignment Of Benefits?
It is common practice for homeowners to assign their insurance benefits to businesses that perform repair work. But such assignments must strictly comply with the terms of the…
Is A Policyholder’s Non-Compliance A Defense To A Breach Of Contract Lawsuit?
Insurance policies are contracts. As such, when an insurer fails to pay a valid claim, it is subject to suit for breach of that contract. But this works both ways. If the…
Insurance Litigation As A “Battle Of The Experts”
Even when an insurance company agrees to provide coverage for damage to a home, they will often challenge the extent or cost of the insurable loss. This then forces the homeowner…
What Is The Role Of A Public Adjuster In Filing An Insurance Claim?
If you have ever filed an insurance claim, you have no doubt dealt with an adjuster, i.e., the person employed by the insurance company to review your case. But there are also…
Does An Insurer Have To Pay Based On A Homeowner’s Account Of Wind Damage?
After a bad storm, a homeowner might notice damage to their property and assume that the weather was responsible. From the insurance company’s perspective, however, correlation…
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