Insurance Policy

2019 Hurricane Preparedness Guide

By Jesmany Jomarron Esq.  The 2018 storm season turned out to be a fairly active season with Hurricane Michael damaging much of Panama City. Experts predict another dangerous and potentially destructive hurricane season this year with about 12 to 14 named storms. The time to prepare for the 2019 hurricane season is now. If you…

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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…

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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…

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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…

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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…

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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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