Tag Archives: Hurricane Irma

Matching Protections for Hurricane Irma Claims in Florida

In 1990, the National Association of Insurance Commissioners adopted a new section to its model regulations relating to unfair property claims.1 Section 9 of the model regulation provides:2 A. When the policy provides for the adjustment and settlement of first-party losses based on replacement cost, the following shall apply: *** (2) When a loss requires … Continue Reading

FEMA Relief for the Houses of Worship that Provide Hurricane Relief?

Hurricane Harvey brought unprecedented flooding and destruction to Texas. Three churches have sued the Federal Emergency Management Agency (FEMA) seeking the ability to be awarded disaster relief grants available to other non-profit entities. In Harvest Family Church v. FEMA, three Texas churches damaged by Harvey are taking on a FEMA policy that does not allow … Continue Reading

The Best Hurricane Insurance Seminar Regarding Hurricanes Irma and Maria—Seriously, This Is The Best!

Have you noticed that some seminars have just a few speakers and they are not in the middle of the issues, but pretenders? Harris Martin Publishers asked me to co-chair a Hurricane Maria and Hurricane Irma seminar and if you are an insurance attorney, public adjuster, insurance claims manager or governmental counsel with FEMA claims, … Continue Reading

Florida Valued Policy Law & Hurricane Irma

We recently received a requested blog topic for the following: FL Value Policy Law as it would apply with Hurricane Irma. If we have an insured with a Citizens policy with Cov A limit of $200,000 and our repair estimate is $180,000 should the value policy law be applied? Answer: It depends. (I’m a lawyer, … Continue Reading

Hurricane Irma and Actual Cash Value in Florida

Florida’s Third District of Appeal recently confirmed that insurance carriers are initially obligated to pay the true amount of the actual cash value (“ACV”), not just the insurance company’s estimate of the ACV.1 This obligation exists regardless of whether policyholders intend to use the money to make repairs to their home. The court also confirmed … Continue Reading

Insurance Bad Faith in the Virgin Islands

In the aftermath of Hurricanes Irma and Maria, the two-catastrophic category five hurricanes that struck the U.S.V.I. in the space of twelve days, many residents are still in survival mode as they deal with the lingering psychological and physical damage. As the resilient Virgin Islanders continue to rebuild, the next ordeal for those affected will … Continue Reading

Hurricanes Harvey and Irma Produced Tornados and Tornadic Activity Across Texas and Florida

With the devastating strength and power these hurricanes were bringing, the last thing on anyone’s mind was these hurricanes throwing additional blows to areas that seemed outside of their “cone.” However, those of us that went through Hurricanes Harvey and Irma (and even those watching from areas outside those directly affected) recall all the news … Continue Reading

Fresh vs. Salt Water Flooding

As I watched Hurricane Irma coverage on CNN, following the landfall in Naples, I was reminded of a problem many insureds faced following Superstorm Sandy: “Is the water the result of flood or rain?” While Naples was in the eye of the storm, CNN showed a six block stretch of water covering streets where rain … Continue Reading

Business Interruption Will Play Big Role in Rebuilding the U.S. Virgin Islands After Irma

The U.S. Virgin Islands holds a special place in my family’s heart. Nothing makes my wife Ashley and I happier than a sail full of trade winds carrying us to the next secluded cove or rowdy beach bar. While most of the national media focused on Hurricane Irma’s trek toward Florida, it is now clear … Continue Reading

Hurricane Irma Mandatory Evacuations Taken Seriously by Tampa Bay Area and Merlin’s Tampa Office

On Friday, I took a deposition from our Tampa office via video conference questioning an adjuster in Charlotte. At about 1:45 pm, Erin Dunnovant rushed in our boardroom to tell me the office building and our entire area was being evacuated. I had to suspend the deposition and grab my computer. Opposing counsel said they … Continue Reading

Last Minute Preparations for Hurricane Irma

Most Floridians are making their last minute preparations for Hurricane Irma and protecting their property from potential damage. In addition to having enough batteries, flashlights, bottled water, food, medications, and pet supplies, you want to make sure your important documents are in a safe, waterproof and easy to access location. This includes your homeowners insurance … Continue Reading
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