Cast iron pipe systems are actively corroding across the country. Florida commercial and residential properties are even more susceptible to corrosion due to Florida’s salt and moisture-rich environment. Unfortunately, insurance companies often try to deny pipe damage claims based on carefully worded exclusions such as “wear and tear” or claiming the pipes have reached the natural end of their lifespan. Even in accepted claims, insurance companies will often lowball a policyholder, leaving them with costly excess repair fees that they are unprepared to take.
Continue Reading Limited Water Damage Endorsement Will Not Limit the Liability for the “Tear Out” Costs

Thanksgiving is a time for food, family, and friends. Unfortunately, it can also be a time of fires, home robberies, or even food poisoning. While there is no such thing as “Thanksgiving Insurance,” there is homeowners and renter’s insurance! Unlike Halloween, holiday insurance claims tend to be caused by the homeowners themselves. So, before you head out to buy your turkey, take a minute to review your homeowners insurance policy to make sure you are covered from some of the most common Thanksgiving Turkey Day Terrors.
Continue Reading Does your home insurance policy cover Turkey Day Terrors?

When properly documented and planned, the sale of a damaged property does not create an opening for the insurance company to escape liability from its insurance obligations. When selling your property during a pending insurance claim, policyholders can assign the claim to a new buyer or retain their right to receive insurance benefits under the policy.
Continue Reading Who Collects the Insurance Claim Proceeds If the Damaged Property Is Sold?

A decision by the Florida’s Fourth District Court of Appeal held that an insured may electronically record an insurer’s appraiser during an inspection of the insured’s property.1 In the current case, a Florida policyholder appealed an order denying her motion for summary judgement, ruling that unless all participants consent, no one may record an insurer’s appraiser inspection in their home. The trial court reasoned that under Florida law, “the only way to record by way of video or by audio is with the full consent of all parties participating.”2 The appellate court disagreed.
Continue Reading Policyholders Can Record Appraisal Inspection

After having suffered a dish washer leak to their home, policyholders submitted a claim to their insurance company. The insurance company sent the policyholders a Reservation of Rights letter requesting a signed, sworn proof of loss within 60 days. The homeowners failed to meet this deadline and submitted their sworn proof of loss after the insurance company filed a complaint for declaratory judgment and material breach. The trial court entered a final summary judgment for the insurance company based upon the failure of the insureds to comply with their obligation to provide a sworn proof of loss, and the policyholders appealed.1
Continue Reading Late Filed Proof of Loss – Does Delay Result in Denial?