Marie Laur

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Follow-Up: My Insurance Claim Was Denied Because My Water Leak Lasted Over a Period of 14 Days or More – Was the Denial Proper?

In March, I posted a blog on the Hicks v. American Integrity Insurance Company opinion,1 in which a Florida court ruled that policy language stating: “we do not insure…for loss…caused by…constant or repeated seepage or leakage of water…over a period of 14 or more days,” did not preclude coverage for damage caused during the first … Continue Reading

I have a Lender-Placed Insurance Policy; What Happens to My Homeowners’ Insurance Claim?

Some homeowners may have lender-placed insurance policies, also known as “creditor-placed” or “forced-placed policies.” These policies occur when there is an insurance policy placed by a bank or mortgage company on a home when the homeowners’ insurance policy may have lapsed or is deemed insufficient by the bank. Under these lender-placed insurance policies, the bank … Continue Reading

My Insurance Claim Was Denied Because My Water Leak Lasted Over a Period of 14 Days or More – Was the Denial Proper?

Many property insurance policies have a provision that states something similar to the following: “we do not insure…for loss…caused by…constant or repeated seepage or leakage of water…over a period of 14 or more days.” Insureds may find their claims for water loss under their homeowners’ policy denied on the grounds that the leak was present … Continue Reading

Why Has My Claim Been Transferred to the SIU?

All insurance companies have a Special Investigative Unit [SIU] that handles elevated claims. Policyholders may be informed by the claims adjuster that their claim has been transferred to the SIU, leaving the insured confused and perhaps apprehensive. So, what does it mean when a claim has been transferred to the SIU?… Continue Reading

Denied Homeowners Insurance or Have a High Premium? This Might Be Why

One of the first steps in buying a new home is obtaining homeowners insurance. Lenders will not close on a home unless it is insured. Unfortunately, homeowners sometimes discover that their new home does not qualify for standard insurance, despite having passed home inspections. While each insurance company has its own underwriting standards and procedures, … Continue Reading

How Does the Ordinance Section of My Insurance Policy Affect the Florida “25% Rule”?

Section 708.1.1 of the Florida Building Code, often referred to as the “25% Rule,” implements guidelines for roof replacement requirements. The section states, Not more than 25 percent of the total roof area or roof section of any existing building or structure shall be repaired, replaced or recovered in any 12-month period unless the entire … Continue Reading

Does My Insurance Cover Faulty Construction?

Homeowners and commercial property owners may find themselves in situations where a contractor or subcontractor performed construction on the property that was defective or faulty and may have resulted in additional loss to the property. Are these damages covered by insurance?… Continue Reading

Away from Home for the Holidays: Coverage While at a Temporary Residence

The holidays are a time filled with travel, gifts, and sometimes, added perils. Often, people travel to visit family and friends during the holiday season and bring their personal belongings with them. Although theft and other unpleasant possibilities may rarely cross the minds of travelers, it is important to consider coverage in the unfortunate event … Continue Reading

Should I Get Renters Insurance?

Renters insurance is a good thing for any renter to have, providing protection for personal property as well as peace of mind in the event a loss should occur; however, only a minority of renters have insurance. While homeowners insurance is commonly held among homeowners, renters insurance isn’t nearly as common; in fact, studies show … Continue Reading
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