Posts by FPJL

Florida Legislature Passes AOB Reform Bill

By Mario E. Lopez, Esq.  Imagine you wake up for a late-night snack and as you make your way downstairs you realize that your kitchen is now inundated with water. After further inspection, you realize that the flooding was caused by a burst water pipe in your downstairs bathroom. As you stare at your flooded…

Read More

When Can an Appraisal Award be Changed or Revised?

By Mario E. Lopez Esq.  Most insurance policies contain an appraisal provision as a means of alternative dispute resolution. An appraisal provision usually provides that in the event of a disagreement as to the amount of a loss, each party has the right to choose an appraiser to determine the amount of a loss, and…

Read More

The Florida Condominium Act: How to Determine Responsibility for a Loss

By Jesmany Jomarron Esq.  The Florida Condominium Act authorizes the creation of condominiums. The purpose of the act is to establish procedures for the creation and operation of condominiums. Every condominium created and existing in Florida is subject to the provisions of the Condominium Act. One of the requirements under the act is that associations…

Read More

FPJL Successfully Passes Law to Protect The People of Puerto Rico From Bad Faith By The Insurance Industry.

By Ricky K. Patel Esq.  On September 20, 2017, Hurricane Maria brought unthinkable devastation to the doorsteps of Puerto Rican citizens and businesses by destroying homes, livelihoods, and the island’s scenic coastline. In the aftermath of the hurricane, policyholders on the island were met with an adversarial claims process marked by long delays, mismanagement and…

Read More

Retaliation in Title IX: Lawsuits For Sexual Assault or Rape

By Ricky K. Patel,Esq.  Title IX protects students of all genders and sexual orientations from sex-based discrimination in athletics and academia and was signed into law in 1972. When it comes to teachers and coaches, their position in the classroom affords them a unique position to identify discrimination and  bring awareness to the issue. When…

Read More

What is a Reservation of Rights Letter?

By Mario E. Lopez, Esq.  When presented with notice of an insurance claim, an insurer must determine whether the claim is covered by its policy. If the insurer needs additional time to investigate the claim before making this determination, if they suspect some coverage my not apply, or if the insurer believes that the insured…

Read More

How To Prepare For a Recorded Statement

By Ricky K. Patel,Esq.  Is your insurance company requesting that you give a recorded statement? You may be wondering if you are required to submit to a recorded statement. Generally, the answer is yes. Coverage under a property insurance policy is generally subject to a number of policy conditions, giving a statement can be one of…

Read More