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Category Archives: Laws

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Automobile Insurance Shell Game – The House Always Wins!

Posted in Automobile Insurance, Insurance, Insurance Policy, Laws, Motor Vehicle Accidents, Uncategorized

During the 2012 Florida Legislative Session, insurance company lobbyists pushed for the passage of HB 119, which greatly overhauled the Personal Injury Protection portion of your automobile insurance policy.  As part of their sales pitch, proponents of this bill stated that the passage of this Bill would GREATLY REDUCE the cost of automobile insurance in… Continue Reading

Sinkhole Stabilization Repair Program – Only Suckers Need Apply

Posted in Citizens Property Insurance, Laws, Legislature, Sinkhole, Uncategorized

As part of an ongoing effort to give the shaft to Florida consumers, a bill was recently filed with the Florida Legislature which would greatly restrict – or even eliminate – the rights of property owners attempting to properly repair damage caused to their homes by sinkhole activity.  Senate Bill 416 (blandly titled, “Sinkhole Coverage”) is a… Continue Reading

ObamaCare Enrollees – Fact or Fiction?

Posted in Insurance, Laws, Uncategorized

Even though the online insurance marketplace under the Affordable Care Act, otherwise known as ObamaCare, went into effect on October 1, 2013, it seems very few people have actually signed up for coverage under the new law.  A recent blog in the Miami Herald stated that the paper had searched “high and low” for individuals who had completed… Continue Reading

National Hurricane Center Changing Definition for Hurricane Warnings

Posted in Hurricane, Insurance, Laws, Storm Damage, Tropical Storms, Wind Damage

Last fall, Hurricane Sandy caused devastating damage to the eastern seaboard – yet the National Hurricane Center did not issue any sort of hurricane warning to the people north of North Carolina.  It is not that the National Hurricane Center was negligent in any way, it is just that by the time Sandy reached the… Continue Reading

Catastrophic Ground Cover Collapse Coverage? WORTHLESS!

Posted in Insurance, Insurance Policy, Laws, Legislature, Sinkhole

Back in the good old days of yore (which, at this point, was approximately 4 years ago), whenever an insurance company provided you with a policy of homeowner’s insurance, it automatically included coverage for any damage caused by sinkhole activity.  In 2007, as part of the insurance industry’s never ending attempt to limit coverage to its clients, insurance… Continue Reading

But They Said the Sinkhole Was Fixed – What Now?

Posted in Experts, Grout, Insurance, Insurance Policy, Laws, Pin Piles, Repair, Sinkhole

Over the past several years, many homeowners in Florida have had the misfortune of incurring damage to their property as the result of sinkhole activity. For many homeowners, the headaches and inconvenience caused by having to undergo the initial repair of this damage turned out to only be the beginning of the battle. In almost every… Continue Reading

What is so “Neutral” about Neutral Evaluation?

Posted in Experts, Insurance, Insurance Policy, Laws, Legislature, Neutral Evaluation, Repair, Sinkhole

If you’ve filed an insurance claim for sinkhole related damage in the past few years in Florida, you’ve most likely seen the term “neutral evaluation” in various correspondence or heard the term mentioned by an insurance adjuster.  A few years ago, the Florida Legislature enacted a law whereby if there is a disagreement as to whether sinkhole activity… Continue Reading

Hire an Insurance Claim Lawyer? Won’t the Insurance Company look out for me?

Posted in Insurance, Insurance Policy, Laws, Lawyer, Sinkhole, Storm Damage, Water Damage

After watching scores of television commercials and other paid advertisements touting the supporting and nurturing nature of insurance companies, one can’t help but feel that the “good hands people” will always act “like a good neighbor” once a policy holder incurs a loss.  After years of practicing insurance claims law, we have learned the unfortunate truth that insurance companies – like all… Continue Reading