Understanding Different Types of Homeowners Insurance Policies

By Jesmany Jomarron, Esq. Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; and Coverage for Additional Living Expenses. Depending on your home and which insurer you choose,…

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Q&A With Partner Wesley Farrell on the NFL Concussion Settlement

In recent years, football has been exposed for its violent nature. In a 2017 study of deceased American football players by the Journal of the American Medical Association, chronic traumatic encephalopathy, or C.T.E. was diagnosed in 99 percent of former NFL players. Following the suicides of Junior Seau and Aaron Hernandez, the link between brain…

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Government Shutdown Means No New Flood Insurance Policies

By Ricky K. Patel, Esq. The government shut down last week after Congress and the president failed to pass a new funding bill. The National Flood Insurance Program (NFIP) was among the federal programs affected by the shutdown. The National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA), is the only insurance broadly…

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Is it Covered: Wind-Driven Rain

By Ricky K. Patel, Esq. In general, a standard homeowners insurance policy will not offer coverage for flood damage. That type of coverage must be obtained by purchasing a separate policy. Of course, floods are not the only way that homes sustain serious interior water damage due to a storm. During hurricanes and tropical storms,…

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¿Cuánto tiempo tiene una compañía de seguros para pagar una reclamación?

By Mario E. Lopez, Esq. El seguro de hogar ayuda pagar los arreglos o la reconstrucción necesarios para su casa y reemplazar su propiedad personal debido a una pérdida cubierta. Después de presentar una reclamación de seguro en Florida, probablemente sentirá una cantidad apreciada de alivio de inmediato. Todo debería volver a encaminarse y arreglarse a su debido tiempo,…

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Additional Living Expenses: What You Need to Know

By Wesley J. Farrell, Esq.  One of the most valuable portions of a residential insurance policy is often overlooked when an insured purchases the policy. Living Expense coverage provides compensation to you when you are unable to live in your dwelling or home due to an insured loss or claim, while your home is being repaired. Most…

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What is Law and Ordinance Coverage?

By Mario E. Lopez, Esq. Even if your home is insured for replacement cost value, if you do not have Law and Ordinance Coverage, you probably do not have the protection you think you have. A standard replacement cost policy will pay to replace “new for old,” but only if the building codes (ordinances or…

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An Overview of the Appraisal Process in Florida

By Ricky K. Patel, Esq. Are you thinking of suing your insurance company because it won’t agree to pay what your adjuster or contractor says is needed to fix your hurricane-damaged roof? Don’t be surprised if your insurer sends your dispute to an alternative resolution process called appraisal. Appraisal is designed to be a simple and…

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Deducible De Huracán En Florida : Lo Que Necesitas Saber

By Jesmany Jomarron, Esq.  El seguro contra huracanes en la Florida es una necesidad para los dueños de propiedades residenciales y comerciales. Es importante leer sus documentos de póliza con cuidado y comprender los diferentes tipos de cobertura incluidos, al igual que todos los deducibles que se apliquen. Sin embargo, al revisar una póliza en particular, podría ser difícil entender exactamente que esta cubierto…

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Top 5 Insurance Claim Tips

By Mario E. Lopez, Esq. When disaster strikes, stress and the feeling of being overwhelmed and unfamiliar with the process can make your property damage claim a lot worse. After all the years of paying your home insurance premiums, you expect to be covered for all of your losses. Here’s five insurance claim tips: 1.…

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