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

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

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

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

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

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

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

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

When purchasing a property, a buyer and seller should acquire a team that will make the experience as simple as possible. Purchasing a property is a major life decision, therefore it is crucial that you have a dream team by your side. The first individual that you should have on your side is a real estate agent. The person that is in charge of selling the property is usually the seller’s agent. A seller’s agent Read More

Circumstances may arise during your insurance claim when your insurance company decides to invoke appraisal. Appraisal is typically mandatory when properly demanded by the insurance company or the insured after property damage. However, appraisal is not arbitration, instead it is a method for determining the amount the insurance company should provide for loss to your property. This means that an Insurance Company Read More