We Offer free Initial Evaluations
Wells Law Group, P.A.
We Offer free Initial Evaluations
813-413-7377

Wells Law Group P.A. Blog

All-Risk vs. Named Peril Policies: What Is The Difference?

The world of insurance can be confusing. There are many different types of insurance, and consumers are often left to figure out the intricate details of these policies for themselves. There are two main types of property insurance policies for homeowners: all-risk policies and named peril policies. If you have a claim after a natural disaster or damage caused by an incident at your home, the amount of your reimbursement, if any, will depend on which type of policy you have. 

Read on for information about these two types of insurance policies and which one may fit you best.

Florida is the deadliest state for bicyclists

Biking for Florida adult residents continues to increase as a major outside activity. It is becoming the primary mode of transportation for many Floridians. As a Florida resident, it is easy to hit the road on a bike. Florida has vast amounts of biking trails and year-round biking weather. Even public transportation buses are usually equipped with bike racks, and many businesses have installed racks for both customers and employees. These conveniences, along with the health benefit biking provides, tempt riders to hop on a bike no matter where they are going. 

Unfortunately, with our already crowded roadways and more cyclists engaging in daily travel with a bike, it increases the likelihood of accidents and deaths. A recent study ranked Florida the top spot for dangerous places to bike. From data collected in 2015, Florida led the nation in bicyclist fatalities with 150. California was the next highest at 129. For Florida, this was an increase of 21 deaths from the previous year. Bicycle deaths are increasing nationally too. There were 818 bicycling deaths counted in the study, which was a 12 percent increase from the previous year.

New Hurricane Insurance Options In Florida

Hurricane season is starting up in Florida, which could also be called “insurance claim denial” season. Just when you need help the most, insurance companies do everything they can to withhold payment. Insurance is a business, and the way they make money is by keeping as much of it as possible. After Hurricane Irma, insurance companies denied almost a third of all claims, mostly because the assessed damage was less than the deductible on the policy.

New insurance options are now available in Florida that could fill in the gaps for certain homeowners. Are they right for you? Read on for more information. 

Drivers With ADHD May Be More Likely To Cause An Auto Accident

If your teen driver has been diagnosed with attention deficit hyperactivity disorder (ADHD), it is extremely important to ensure that they are taking the right medicine to treat the condition in order to avoid a Tampa auto accident. Without managing the symptoms of ADHD, adolescents could be much more likely to cause an auto accident than other teen drivers who do not have ADHD, according to a study published in JAMA Pediatrics. An article in CNN discusses the study, and provides more information for families and motorists in West Central Florida who need to recognize the risks surrounding teen driving crashes and ADHD.

How Tampa's Mangrove Losses Could Increase Risk of Wind Storm Damage

Are mangrove losses in West Central Florida putting Tampa Bay homeowners at greater risk of windstorm damage in the event of a hurricane or other severe storm? If you live in Florida, you may have heard that mangrove forests can provide protection against severe storm damage. If you know about the benefits of mangroves to people and property, you also may know that human impact has been extremely damaging to native mangrove forests throughout the state. We want to talk more about how a greater emphasis on environmental protection also might be able to help protect your home from severe storm damage.

How prevalent is distracted driving? More than you think

The epidemic of distracted driving is putting drivers in Florida and throughout the country at risk. Safety officials are making a concerted effort to get people to put their phones away while driving. There is good reason for this focus on distracted driving as estimates find that more than a quarter of all collisions stem from cell phone use. That number does not account for all the other distracted behaviors drivers engage in when behind the wheel.

Yet even with all this attention aimed toward this serious problem, distracted drivers continue to put others at risk every day. Not only are drivers repeatedly looking at their phones rather than at the highway, but the number of drivers engaging in this risky behavior may be worse than previously thought.

Study Says Tornado Damage May Triple In Coming Years

Homeowners in West Central Florida must be prepared for severe storm damage. One of the many ways a property owner needs to be prepared is to make sure that their insurance policies are up to date and provide proper coverage in the event of serious tornado damage. But will that be enough?

Insurance claims go up with the temperature

It's not surprising that our outdoor activities will start to change as we enter the hot, humid months of spring and summer along the Central Florida Gulf Coast. What may come as a surprise, though, is the number of property and casualty insurance claims that also go up in relation to the rising temperatures.

Safety Tips For Sharing The Road With Large Trucks

As a driver, you should always be aware of your surroundings. However, if you are like many drivers, you might notice that when you see a semi-truck, you perk up a bit more because you are aware of how dangerous they can be. There are many steps you can take to do your part in staying safe on the road.

It is important to always be aware of what is going on not just in front of you but alongside you and even behind you.

email us for a response

When you need legal help, we are here for you.For fast answers, email us using the form below.

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Wells Law Group, P.A.

visit our office

1206 Millennium Parkway
Brandon, FL 33511

Phone: 813-413-7377
Fax: 813-413-8887
Brandon Law Office Map