For the past three years, my clients have had to battle with their insurance carrier, Tower Hill Select Insurance Company, to obtain coverage for the repair of damage caused to their home by sinkhole activity. Time and time again, Tower Hill Select refused to provide any assistance to our clients and instead, threatened to pursue
National Hurricane Center Changing Definition for Hurricane Warnings
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
Mold Coverage – More Limited Than You Might Think
Property damage caused by mold can be a real problem – especially here in Florida. The combination of Florida’s humid climate and often rainy weather create the perfect petri dish for the creation and growth of toxic and damaging mold. Fortunately, most homeowner’s insurance policies provide coverage for the damage caused to your property by
Citizens Property Insurance Ignores Neutral Evaluation Process
Back in 2007, the insurance industry lobbied for the passage of an alternative dispute resolution mechanism for disputed sinkhole claims – a process which they cleverly entitled “Neutral Evaluation”. The concept was that if there was a disagreement between a property owner and an insurance company as to any issue related to a sinkhole claim,
Catastrophic Ground Cover Collapse Coverage? WORTHLESS!
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
But They Said the Sinkhole Was Fixed – What Now?
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
What is so “Neutral” about Neutral Evaluation?
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
Hire an Insurance Claim Lawyer? Won’t the Insurance Company look out for me?
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