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…

Read More

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…

Read More

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…

Read More

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…

Read More

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…

Read More

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…

Read More

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…

Read More

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…

Read More

How to Read and Understand Your Insurance Policy

By Ricky K. Patel, Esq. Insurance policy language, although required by many state laws to be “easy to understand,” isn’t always easy to understand. When is the last time you sat down to read your insurance policy from beginning to end? It’s important to remember that an insurance policy is a legal contract between the…

Read More

La Importancia de Mitigar Los Danos Después de una Pérdida en Tu Casa

By Mario E. Lopez, Esq. Cuando su casa está gravemente dañada por un incendio, tormenta de viento, tornado u otro peligro, uno de los deberes más importantes que debe hacer es actuar rápidamente en las reparaciones de emergencia de la vivienda, asegurando la propiedad a evitar mayores daños. Eso significa que, como mínimo, debe cubrir…

Read More