Caselaw Wednesday – Res Judiwho?

Recently, the Third District Court of Appeal here in Florida decided any interesting issue regarding cases where lawsuits are filed by a remediation company under an assignment of benefits and also by an insured. In Brito v. Heritage[1], the Britos filed suit against Heritage to recover damages associated with their roof. A mold testing company also filed suit seeking to recover the cost of their invoice, billed Read More

So you think you have hurricane damage?

As Hurricane Dorian edges the coast of Florida, the potential for damage to property lessens by the day. However, winds from outer bands of the storm coupled with strong downpours of rain has the potential to create property damage. Many homeowners policies now include language in their provisions that limit the coverage for damage caused by rain unless an opening is created by a "covered peril." What that means, Read More

Be Prepared – Before and After a Hurricane

As Hurricane Dorian approaches Florida, it is critical that property owners and business owners prepare for possible damage caused by the storm and the inevitable claim with their insurance company. Before the storm Take photographs or video of the entire property to show the pre-loss condition. These photos become critical in showing the insurance company what was actually damaged after a storm. Keep a copy Read More

Timing is key with prompt notice

As we get ready for Hurricane season, many homeowners buy supplies in order to prepare for a loss, but how soon should you alert your insurance provider if a loss does occur? In Florida, Insureds must provide prompt notice to their insurance carriers. It is well settled, however, that “prompt” and other comparable phrases, like “immediate” and “as soon as practicable,” do not require Read More

Tips for first time buyers

Buying a home could be the biggest purchase of one's life, and arguably the most nerve-wrecking. The good news is you're not alone. For many Floridians who wish to make a purchase for the first time, they feel the same. In light of that, we gathered a few tips in order to help with the experience of not only buying a house, but also buying a home. Set a budget Before looking for a home, a budget has to be set. Read More