How to Create a Home Inventory to Help Speed Up the Insurance Claim Process

By Wesley J. Farrell,Esq. A home is often someone’s largest investment and therefore, property insurance coverage is crucial so that the home and any contents are covered in the event of a catastrophe. We recommend completing a room-by-room home inventory so if you have an insurance claim in the future, you will have a permanent…

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What is a Contingency Fee Agreement?

By Mario E. Lopez, Esq. In certain types of lawsuits, the lawyer who represents the person suing may agree to accept a part of the money the client recovers as the fee for services. In many situations, this may be the only practical means by which one party can afford the services of an attorney.…

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Signs Your Insurance Company is Acting in Bad Faith

By Mario E. Lopez, Esq. If a hurricane, fire, or other disaster damages your home or business, you expect your insurance company to quickly pay your claim. Unfortunately, the insurance claim process isn’t always as straightforward as it should be. Just like you must pay your monthly premiums to keep coverage, your insurance companies must fulfill a…

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Does My Insurance Policy Cover Mold Damage?

By Jesmany Jomarron, Esq. In some cases, ordinary homeowners’ insurance will absolutely cover mold. In other cases, mold is not covered under a typical homeowner’s insurance policy. Mold damage is quite often a result of preceding water damage. By default, a homeowner’s insurance policy will not cover mold damage. However, home insurance policies will cover…

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Interrogatories in a First Party Property Insurance Lawsuit

By Wesley J. Farrell, Esq. Interrogatories are written questions sent to another party in the case, typically an opposing party to be answered under oath. They are one of the major discovery tools and, are often one of the first used after a first party property insurance suit is commenced. Interrogatories can be a fast…

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Should You Hire a Public Adjuster?

By Jesmany Jomarron, Esq. What we often hear from potential clients is, “Why would I need my own adjuster? Doesn’t the insurance company provide me with an adjuster?” The answer to this question is both yes and no. Yes, they do provide an adjuster to investigate and settle your claim; but no, that adjuster does…

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Mediation: What You Need To Know

By Wesley J. Farrell, Esq. What is Mediation? Mediation is a process where the parties involved in a dispute sit down with a neutral third person (the mediator) who is trained to help people come to a mutually satisfactory solution of their conflict. Until a dispute becomes an actual lawsuit, mediation is entirely voluntary; it…

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Examinations Under Oath: What You Need To Know

By Wesley J. Farrell, Esq. Recently, it seems like I have been privy to a relatively high number of insureds asked by their carrier, following a loss, to submit to an examination under oath. If you are filing a significant claim with your insurance company, you can expect that there will be some level of…

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Reasons Your Property Insurance Claim May Be Denied

By Jesmany Jomarron, Esq. After a disaster such as a fire or flood occurs to your home or business, perhaps the worst news is finding out that your claim has been denied. It might seem like a shock to receive a notice of claim denial from your insurer. However, there are many reasons for an…

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How An Attorney Can Help With Your Property Insurance Claim

By Mario E. Lopez, Esq. After all the years of paying your home insurance premiums, you expect to be covered for all of your losses. Although you paid good money for your insurance coverage and expect good service, you may be disappointed to find out that insurers look to minimize their losses and pay you…

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