A critical component of many insurance policies is a duty to defend the policyholder when a lawsuit is filed against them. That lawsuit could be a class action filed against the officers of a corporation, a claim for damages in a car or truck accident, or a premises liability case filed against the owner of commercial or residential property. When an insurance company has a duty to defend, its attorneys should be taking the lead […]
To the insurance company, the issue is simple. You suffered an injury that prevented you from working. You had surgery to repair the damage. You will recover from surgery in the predicted number of days, and you will be ready to return to work. So your disability benefits will be discontinued. However, real life often does not unfold according to predictions and industry guidelines. Surgery may not have been successful. You could need additional recovery […]
When commercial or residential property has suffered damage due to a storm, fire, criminal activity, defects in construction, or other causes, there’s a good chance the insurance company and the property owner will have differing figures on the value of the property losses that should be covered under the insurance policy. The most straightforward way to resolve this type of conflict is to have a Miami insurance claim lawyer conduct negotiations with the insurer on […]
In Miami, the word “insurance” usually brings up thoughts of hurricane damage, especially this time of year. But we purchase insurance to insulate ourselves from many different types of risks, and that includes the risk of losses caused by theft and other forms of dishonest conduct. When businesses purchase coverage for these types of losses, it is often referred to as fidelity and crime insurance. For those insuring homes and other private property from crime […]
Law360 (August 14, 2025, 8:55 PM EDT) — A recent Florida appellate court ruling affirming that the state’s last-resort insurer properly denied a late-filed claim for hurricane damage wasn’t surprising given legislative changes in recent years, but highlighted the import of filing timely claims, experts say. Policyholder and carrier attorneys said the Aug. 6 decision in Maria Morales v. Citizens Property Insurance Corp. emphasized a clear point of law — late-filed claims aren’t covered — […]
It seems grossly unfair that when you’ve been paying premiums for private disability insurance, the insurance company treats you with disdain and suspicion when you file a claim for benefits. Unfortunately, it’s all too common. Insurers are happy to take your money but very reluctant to live up to their obligation to pay when the terms of your policy entitle you to benefits. One of the ways insurance companies make it difficult for policyholders to […]
Humans have probably been devising new ways to swindle each other since the first cave dweller tricked a companion into giving up his share of a mammoth steak. In the digital age, the pace of innovation has exploded for those who specialize in fraud and theft just as it has for those interested in more legitimate business enterprises. The bottom line is that scammers are constantly finding new ways to worm their way into electronic […]
Our legal team has focused on resolving insurance disputes for decades, so we are well-versed in the many ways insurance companies fail to meet their obligations to policyholders. But sometimes, the problems our clients face are not necessarily the fault of the insurance company. Instead, the root of the problem lies with negligence or misrepresentation on the part of the insurance agent or broker who sold the policy. What do you do in that situation? […]
It’s that time of year again. We need to start thinking about hurricanes and be prepared to deal with the consequences if one were to hit our area. Safety is critical, but when we follow guidelines, hurricanes are more likely to pose a risk to our financial security than our physical security. We purchase insurance coverage to protect us from having to cover all the costs if a storm damages our home, business, vehicle, or other property. However, […]
When you’re unable to work due to a disabling condition, benefits provided through your disability insurance policy provide a critical lifeline to cover expenses. Professionals who have substantial obligations often build their business plans around expectations that include disability benefits. For this reason, it is essential to understand when a disability insurance provider is legally permitted to discontinue or reduce benefits. Sometimes, companies are acting within their contractual rights when they do so, but other […]
