When it comes to insurance law, the Florida legislature epitomizes Florida Man. Wikipedia describes Florida Man as follows:

Florida Man is an Internet meme first popularized in 2013, referring to an alleged prevalence of people performing irrational, maniacal, illogical, delusional, insane, and absurd actions in the U.S. state of Florida. Internet users typically submit links to news stories and articles about unusual or strange crimes and other events occurring in Florida, with stories’ headlines often beginning with ‘Florida Man…’ followed by the main event of the story. Because of the way news headlines are typically written, they can be creatively interpreted as implying that the subjects of the articles are all a single individual known as ‘Florida Man.’

Continue Reading Florida Man—Appraisal in the Brand New World of Initial, Additional, Supplemental, and Re-Opened Claims

When I first started in this business in the early 1980s, there was no such thing as a “supplemental” claim. The “supplemental claim” is a recent legal concept of property insurance claims law made up by Florida’s insurers, the Office of Insurance Regulation, and codified by Florida’s legislature, which is not in existence anywhere else in the United States other than Florida.
Continue Reading Appraisal of Supplemental Claims – Are Supplemental Claims Part of The Loss?

Continuing on with last week’s post on late notice claims, this week I want to expand on Shaun’s post from last week about the difference between supplemental and reopen claims. Blurring the distinction between the two is an easy way to confuse the issues that may result in the denial of an otherwise valid claim. That is why it is so important to keep the two separate.

Continue Reading Late Notice of the Claim Part 4: Supplemental v. Reopen