I want to thank everyone who helped us achieve a hard fought victory in my August 30th primary for the Florida House of Representatives. My law firm colleagues have been with me every step of this journey. They never wavered in their support and were there to offer whatever assistance I needed on my cases. In addition, my friends with FAPIA put their blood, sweat and tears into this campaign. Not only did they help me to gather the necessary resources to run a winning campaign, they personally came to Tampa and got their hands (and shoes dirty).


Continue Reading Thank you!

For those of us that practice in the area of property damage in Colorado, June 6, 2012, is a day with much notoriety. A large wind and hail storm passed through the state, causing extraordinary damage. Even though it was classified as a catastrophic event, many insurers still challenged damages, so I represented a high volume of clients from this storm. However, this was not the only thing that happened on this date in Colorado. Governor Hickenlooper also signed into effect Senate Bill 12-038, “Concerning Measures to Protect Consumers who Engage a Roofing Contractor to Perform Roofing Services on Residential Property.” The full act is available online, but I wanted to draw your attention to certain parts of it as they have been topics of many recent phone calls.


Continue Reading Who pays the deductible? Requirements of roofing contracts in Colorado

Under a new law that takes effect July 1, 2016, insurers may offer a new type of personal lines residential sinkhole coverage. Florida Governor Rick Scott signed CS/CS/SB 1274 into law, which created Section 627.7151, Florida Statutes, allowing insurance companies, at their option, to provide limited sinkhole coverage for a “sinkhole loss” to homeowners—which is a lower threshold of damage than "catastrophic ground cover collapse"—and is defined as "structural damage to the covered building, including the foundation, caused by sinkhole activity."


Continue Reading New Florida Sinkhole Law Effective July 1, 2016

You cannot make this stuff up. Anyone who reads this blog knows how frustrated I get with the insurance industry’s constant complaints that “[Fill in the Blank] is responsible for rising premiums.” The [Fill in the Blank] is always something different depending on what year it is—sinkholes, water claims, fraud, trial lawyers, hurricanes, reinsurance, political instability, public adjusters.


Continue Reading Fill in the Blank

Since the 2016 Florida Legislative Session began in January, this blog has been following two topics very closely: Appraisal/Umpires and Assignment of Benefits. Although the door has not completely closed on possible Assignment of Benefits, it appears that there will be no action taken on the Appraisal/Umpire bills.


Continue Reading Florida Legislature Will Likely Not Take Action on Bills to Regulate the Appraisal Process