Knowledge Monday – Continuing to Prepare for Hurricane Season

After filing an insurance claim, an insurance company expects an insured to follow the post loss obligations that are set out in the insurance policy. Post loss obligations are conditions that the insured must perform after they have experienced damage to their property. Typically, an insurance company will also expect an insured to provide photographs of the property before the damage. In most policies there is Read More

Knowledge Monday – Continuing to Prepare for Hurricane Season

As we continue to prepare for the upcoming active Hurricane season, homeowners and business owners should prepare an inventory of their personal items. Hurricanes can cause damage to your home or business due to wind, water, or both! This damage could be to the structure of the property, the roof, and/or the personal items in your home. In order to ensure that your insurance company provides coverage for your damaged Read More

Case Law Wednesday – Who has to be produced at an Examination under Oath?

Insurance policies typically contain post loss obligations that the insured must abide by before filing a lawsuit. Post loss obligations are conditions that the insured must perform after they have experienced a damage. These obligations typically include examination under oaths of the insureds and the public adjuster. An examination under oath is a formal proceeding where an insured is questioned by an insurance Read More

Knowledge Monday – Preparing for Hurricane Season

With 2020 Hurricane season right around the corner, it is critical that property owners and business owners prepare for what seems to be an active hurricane season. As a property and business owner, you should be aware that hurricane season starts on June 1 and ends on November 30. Throughout these months, insurance coverage will skyrocket, thus it is important that your business and property are protected with Read More

Case Law Wednesday – Coverage for Plumbing under your Pool?

Most insurance policies cover losses on an all risk basis if a claim is the result of a direct physical loss. This coverage can be tricky when dealing with damage to the outside of your property. Insurance policies typically contain a section describing what an insurance policy expressly excludes from coverage. In Kokhan v. Auto Club Insurance Company of Florida [1], the insureds’ experienced significant damage to Read More

Knowledge Mondays – Real Estate Contracts During a Global Pandemic

Purchasing a property at any time can be a hectic process filled with bumps along the road. However, purchasing a property during a global pandemic can be hectic and frustrating as a global pandemic, like Coronavirus, can threaten your closing. As Coronavirus continues to impact our lives and business, it is important to be informed as a buyer and seller. If as a buyer and seller you signed a standard FAR/BAR real Read More

Does my Insurance Cover my Loss Due to Coronavirus?

Coronavirus has quickly made a huge impact on the people and businesses in the United States. With the government asking individuals to stay at home and businesses to close early, all types of businesses are being impacted due to COVID-19. Luckily for business owners, their insurance policy may be able to reduce their losses. Typically, insurance policies have provisions that deal with events that cause business Read More

Case Law Wednesdays – Why Satisfying Post Loss Obligations are Important

Insurance policies typically contain post loss obligations that the insured must abide by before filing a lawsuit. Post loss obligations are conditions that the insured must perform after they have experienced a damage to their property. These obligations can include providing prompt notice of the loss, making reasonable repairs to protect the property, and/or providing a sworn proof of loss. In State Farm v. Read More

Knowledge Mondays –Will shopping for mortgage rates hurt my credit score?

Typically, when a buyer enters into a property purchase contract, he/she does not have the entire purchase price available. Instead, the buyer will provide a down payment and will secure financing for the other portion of the purchase price. Securing financing from a lender can be a difficult task for individuals filled with endless questions. One of the biggest misconceptions that buyers have is that shopping for Read More

Case Law Wednesdays – Constant and Repeated Seepage Exclusion

Most insurance policies cover losses on an all risk basis if a claim is the result of a direct physical loss. However, insurance policies typically contain a section describing what an insurance policy expressly excludes from coverage. Usually an insurance policy does not provide coverage for constant or repeated seepage that extends over a specific period of time. In Hicks v. American Integrity Insurance Company Read More