4 Key Differences Between a Will and a Trust

At Alvarez Law Group, we strongly believe in putting a plan in place to preserve your future and provide for loved ones after you’re gone. What this plan takes will be different for each situation. Some estates only need a will to establish their plans, other estates that are more extensive and involved might need a trust.  It’s important to understand the differences between a will and a trust, so we want to explore Read More

Caselaw Wednesdays – Materiality and Compliance With Post Loss Obligations

You have a claim on your home or business. You report the claim and expect your insurance company to pay it within a reasonable time frame. Is that a reasonable expectation? As with many legal questions, it depends tends to be the right answer more often than not. We continue to see more and more insurance companies use any failure to comply with post loss obligations after a loss as a way to deny a claim. A recent Read More

Real Estate Resources for Veterans in Florida

We have plenty of moments and events honoring veterans across America and here in Florida, but there are times when it’s easy to call into question our commitment to those who have served our country. After all, even with recent progress, the U.S. Department of Housing and Urban Development still reported over 37,000 homeless veterans in 2020. We are committed to helping veterans truly “come home” and want to help Read More

Reasons You Can Lose Your Trademark Protections

A trademark establishes your exclusive right to use intellectual property. Your hard work and that great idea deserves to be YOURS, but there are situations where the protections granted under a trademark can be lost even after it is established. While the process of getting a trademark through the U.S. Patent and Trademark Office can be tedious, you can’t get it and forget it once your application is successful. We Read More

Caselaw Wednesday – What if you only comply with a portion of your duties under an insurance policy?

We have previously discussed the importance of complying with post obligations here and here. We have also discussed why an insured MUST comply with a sworn proof of loss request in a prior post. In short, if you have an insurance claim for your home or business in Florida, you need to make sure you follow all post-loss conditions in the policy, including submitting a sworn proof of loss to the insurer, in a timely Read More

5 Times When You Need To Update Your Estate Plan

Estate Planning is the process of working with an attorney to create a legally-binding plan for what will happen to your remaining belongings and money after you pass away. Estate Planning can be achieved through several different methods, but always for one purpose: protecting your family and loved ones. Sometimes, however, those loved ones change. Your Estate Plan is a reflection of your life, so it should change Read More

What is an appraisal under an insurance policy?

You’ve suffered a catastrophic loss at your home or business. Your insurance company has issued a payment for the damages but you disagree with the amount and have submitted competing estimates to your insurance company. Now your insurance company is invoking appraisal under your insurance policy and you have no idea what to do.  Appraisal is an alternative dispute resolution method that is available in many property Read More

CASELAW WEDNESDAYS – IS A DELAY OF 7 DAYS PROMPT NOTICE?

We have previously discussed cases involving prompt notice here and here. As we’ve mentioned before, insurance policies typically contain post loss obligations that can include providing prompt notice of the loss. Prompt notice is not defined in insurance policies; thus, it has been up to Florida courts to interpret what constitutes “prompt.” In a recent case, Guzman v. Southern Fidelity, the appellate court was Read More

Mortgage Modification vs. Refinancing in Florida

Slowly but surely, prime mortgage rates are creeping back up toward pre-pandemic levels. This is expected to cool off what has been a red-hot real estate market in Florida. With eviction and foreclosure moratoriums also expiring, many Floridians are feeling the financial crunch and wondering what they can do to keep their houses.  Depending on your long-term goals (and short-term motivations), you might want to Read More

THE INTERNET IS WRONG! WHY FILING AN INSURANCE CLAIM IS ABOUT MORE THAN INCREASING RATES AND EXCEEDING YOUR DEDUCTIBLE.

The internet has plenty of articles that discuss when an insurance claim should be filed or not. Examples can be found here, here, and here. The truth is, at least in Florida, delaying the filing of an insurance claim either because you think your rates will go up or because you think it will not exceed the deductible can hurt you if you ultimately decide to file a claim. The most common example that we see in our Read More