Many of the crazy denials and claims positions taken by United Property and Casualty Insurance Company (UPC) have been caused by the company trying to financially survive. It does not make it right. It has led to thousands of unnecessary lawsuits, which the company then blames on lawyers rather than looking in the mirror at its own wrongful conduct.
Continue Reading When Will United Property and Casualty Insurance Company Declare Itself Insolvent?

Quick question—what insurance defense law firm did I leave in 1985?

A recent blog, Litigating Tile Roof Claims, explains the view regarding roof litigation following Hurricane Ian from the insurance company view. The blog starts off with the typical default argument: there is no damage, and all the roof claims are fraudulent. It then notes law that arguably allows salvaged and boneyard tiles to be used:
Continue Reading Roof Claim Litigation View from Insurance Company Attorneys

Nowhere to be found. That is the answer.

It is quite proper to warn people about unscrupulous scoundrels without licenses who are gauging Florida’s Hurricane Ian victims. Trying to ferret out those individuals and asking the public for information and to turn them in is something everybody supports.
Continue Reading Where Are Florida’s Leaders Explaining How Floridians Can Fully Get Paid and Not Get Ripped Off By Their Own Insurance Companies?

Only the United States government could come up with the craziest scheme of national flood insurance. I keep trying to explain how the first-floor flood of an elevated building has only limited coverage—why do freezers get paid for but not refrigerators? It makes no sense, but God Love The USA!
Continue Reading Flood Coverage Questions? What is Covered? Learn From the Babe Ruth of Hurricane Claims

Note: This guest post is by Steven Thomas. As President and Owner of Roof Leak Detection Company, Inc., Steven Thomas has evaluated over 20,000 roofing systems on commercial, industrial, and residential properties, and has been qualified in court as an expert regarding roof testing and evaluations. His company is an approved Testing Laboratory and has held this certification since 1994.

Why? The obvious reason is many homeowners and maintenance personnel do not know what to look for. That’s not a knock on them—roof damage can be very obvious or subtle.
Continue Reading Hire A Professional to Inspect Your Roof Following Hurricanes or Severe Weather Events

This morning I was teaching over 200 adjusters about how to properly adjust claims with multiple causes of loss from wind and flood caused by a hurricane. This seminar, Slabbed: Making a Wind and Flood Claim on the Same Structure, was for members of the Florida Association of Public Insurance Adjusters (FAPIA). I have personally handled thousands of these unique claims. Unfortunately, many adjusters do not do it right. As a result, policyholders will often suffer because they fail to receive all benefits available under the policies covering this type of loss.
Continue Reading How To Adjust Hurricane Claims with Wind and Flood Damage—Start with the Basics of National Flood Insurance Claims

Following a major disaster, policyholders will be faced with an important decision—which restoration contractor should be hired? Many policyholders will be directly solicited by strangers with construction contracts and oral promises that seem too good to be true. Policyholders should never sign a contract with anyone who is pressuring them to do so. Policyholders should always investigate the people and entities with whom they are going to sign a restoration contract.
Continue Reading How To Select the Right Restoration Contractor Following a Hurricane

Ignorance is no defense to the enforcement of criminal law. A number of people have called or written about the meaning of Florida’s emergency order suspending some requirements on Florida’s licensed contractors. The Order does not allow unlicensed roofers and contractors to work legally in Florida.
Continue Reading Stop The Rumor—Florida Emergency Construction Laws Do Not Allow Unlicensed Roofers and Contractors to Legally Work in Florida