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Insurance Law Archives

Windstorm Damage, "Concurrent" Causes, and Property Insurance in Florida

If you sustain property damage in West Central Florida as a result of windstorm damage along with other causes (such as flooding and fire), and your insurance policy does not cover damage related to all of those causes, will your insurance policy have to provide coverage to repair your home? For instance, let us imagine that a strong thunderstorm strikes in West Central Florida. The storm has very strong winds, but it also produces heavy rains and lightning. A bolt of lightning strikes near your home, and during the storm, your house sustains serious damage as a result of fire from the lightning, flooding from the heavy rains, and wind damage from the strong winds. It is difficult (if not all but impossible) to determine which of these elements caused which particular damage to the structure.

Why you should consider adding UM coverage to your policy

Based on a 2014 study conducted by the Insurance Research Council (IRC), the Insurance Information Institute estimates that 1 in 8 drivers are uninsured in the United States. In Florida alone, the IRC estimates that Florida has some 3.2 million uninsured drivers, which places us as one of the top five states across the nation.

Sen. Jeff Brandes aims sights to kill PIP coverage

Since its establishment in 1972, most drivers in Florida have been able to turn to their personal injury protection (PIP) coverage to collect up to $10,000 (on a typical policy) to cover medical costs and lost wages caused by a crash. That was until 2012 when the law was reformed by House Bill 119 (HB 119) in an attempt to cut down on fraud.

Why this hurricane may have you looking at your policy

Even though Hurricane Matthew has been downgrade to a category 3 hurricane, the storm is still expected to cause considerable damage all along Florida's east coast. With winds expected to reach 120 mph and a storm surge that has already caused flooding in northeast Florida, says one Weather Channel article, it's already starting to look bad for home and business owners in our state.

Video: Were you injured in an auto accident? Contact Wells Law Group, P.A.

If you were injured in a car accident, you may have more immediate concerns, such as medical bills and lost wages. Some of those costs may be covered by your own insurance, but justice also requires the negligent driver to be held accountable.

Homeowner's insurance, it's more than just a good idea, and you need the right amount of coverage!

As a resident of Florida, you are not required to purchase a home insurance policy. Your mortgage holder, however, will require insurance on the property, and if you fail to obtain proper coverage and add it as an additional insured, it will likely "force place" coverage for its own protection. Forced place coverage usually provides coverage up to the value of the lien, which leaves you uninsured for any damage to your property and belongings in the home. While some people with no mortgage look at this as a way to save money, most realize it is a risk they should not take.

Florida's federal flood insurance policies are drying up

Florida has more flood policies than any other state in the country. However, it appears that coverage in the aptly named Sunshine State is dwindling -- more than 13 percent this fall when compared to six years ago. That equates to almost 300,000 policies. The loss in flood insurance policies during the same time across the country is around 8 percent or over 400,000 policies.

Looking into life insurance claim denials for families

The death of a loved one is one of the most difficult things a family can face. Thus, when a family has recently lost a loved one and is dealing with the many challenges that go along with this, the last thing they want to hear is more bad news. Unfortunately, families in such a situation sometimes end up receiving insurance-related bad news. Specifically, some such families receive news that a life insurance claim they made has been denied.

Clarification on sinkhole repairs could impact coastal residents

If you live on the coast in Florida, you are likely quite familiar with the environmental factors that can damage your home. There are threats of strong winds, hurricanes and flooding that can lead to extensive damage for which you may be financially responsible. 

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