Tag Archives: Homeowners Insurance

Hurricane Hermine Update – Roof Claims

Tens of thousands of Florida home and business owners have insurance claims for damage caused by Hurricane Hermine.  It is critical that policy holders know their rights. I have litigated thousands of insurance claims on behalf of Florida home and business owners.  Many of those claims have involved claims for roof damage. Almost 100% of… Continue Reading

Hurricane Hermine Causes Widespread Damage to Homes and Businesses

Once again, Florida is ground zero for a major hurricane.  On August 1 and 2, 2016, Hurricane Hermine made landfall in Florida.  Hurricane Hermine’s path took the Hurricane directly over Florida’s Big Bend area through Leon County and into Georgia. There wind and water damage along the direct path of Hurricane Hermine.  However, many parts… Continue Reading

Major Hail and Wind Storm in Poinciana and Kissimmee

On the afternoon and evening of March 26, 2016 a major hail and wind storm pummeled the Poinciana and Kissimmee, Florida area.  Coincidentally, this was on the 24th anniversary of the catastrophic Central Florida Hail storm of March 26, 1992.  It was that 1992 storm that launched me into specializing in insurance claims for homeowners.… Continue Reading

Insured Can Challenge Insurance Sinkhole Remediation Plan

In Roker v. Tower Hill Preferred Insurance Co., 40 FLW D764b (Fla. 2nd DCA March 27, 2015), the Second District Court of Appeal was asked to review a Summary Judgment granted to the homeowners insurer in a sinkhole case.  The insurance company and the homeowner agreed that sinkhole activity caused damage to the insured home.  The… Continue Reading

Hail Damage Lawsuit Filed

My clients purchased a replacement cost homeowners insurance policy.  On July 12, 2014, their roof sustained hail damage.  As in many of these cases, the insurance company hired an engineer to inspect the roof.  The engineer inspected the roof and wrote an extensive report concluding that there was no hail damage.  Instead, according to the… Continue Reading

Another Suit Filed As Result of March 24, 2013 Wind and Hail Storm

As I’ve written before, on March 24, 2013, a severe unnamed wind and hail storm hit the Central Florida area.  The storm caused significant damage to area homes and businesses.  In this case, our clients purchased replacement costs homeowners insurance coverage for their home.  Replacement cost insurance coverage pays the cost of replacement if any… Continue Reading

Late Notice, Appraisal and Prejudice

In State Farm Florida Insurance Company v. Hernandez, 40 FLW D1433a (Fla. 3rd DCA June 17, 2005), State Farm appealed a non-final order compelling appraisal of a homeowners claim.  The lawsuit arose out of a Hurricane Wilma supplemental claim. Hurricane Wilma struck South Florida in October of 2005.  The insured submitted a homeowner’s claim to State Farm.… Continue Reading

Insurance Company Not Allowed to Insert Term Prohibiting Assignment of Benefits in Policy

In Security First Insurance Company v. State of Florida, Office of Insurance Regulation, 40 FLW D1449a (Fa. 1st DCA June 22, 2015), Security First sought to amend its insurance policy form to prohibit post-loss assignment of benefits without the insurer’s prior approval.  Security First submitted its proposed policy form change to the Florida Office of… Continue Reading

What to do if Your Roof has Wind or Hail Damage

I have handled many cases where the roof on a business or home has been damaged by wind or hail. Storm damage to your roof is covered under your homeowners and business owners property insurance policy. Many times, the insurance company will do the right thing.  Some times they don’t.  Common strategies to deny claims that I have… Continue Reading

Suit filed for Wind and Hail Damage

On March 24, 2013, a powerful unnamed storm hit our area.  I’ve had 100’s of claims on behalf of policy holders arising out of that storm.  This week, another homeowner came to us because their homeowners insurance company denied another claim for wind and hail damage. As with most of these cases, the homeowners insurance… Continue Reading