News & Resources

If you’ve insured valuable personal property such as your car, boat, or a prized collectible, your insurance policy puts a limit on the value of the insured item. For vehicles, the policy may specify that a car is insured for the actual cash value at the time just before it was damaged. Certain property, such as artwork or jewelry, might be insured for a particular cash amount. Sometimes the property insured is worth much more […]

Professionals like attorneys, doctors, and accountants are often called upon when someone has a problem. If a client is unhappy with the result after a professional provides services, the client may file a malpractice lawsuit against the very person who was trying to help, even if nothing could have been done to improve the outcome. The threat of a malpractice claim always hangs heavy over a professional practice, from architecture firms to Zyglo inspectors. Recognizing […]

Life insurance issues can be complex, both financially and legally, and even emotionally. Like all forms of insurance, life insurance policies provide protection against an unexpected future event. But one unique feature of life insurance is that the uncertainty surrounding an obligation to pay does not necessarily involve an “if” but a “when.” Someone who purchases auto or homeowner’s insurance may never suffer a loss and never file a claim despite years of paying premiums. […]

Insurance fraud is a major problem for insurance companies, but, as with most problems, the wrongdoing of a small percentage of the population forces the rest to endure major inconveniences. If you’re shopping at a big box store, you may be required to stand in a long line to wait while an employee checks receipts. However, the inconvenience and potential problems are much greater when you need to file a property damage claim. You may […]

In September, Florida’s Office of Insurance Regulation announced that it was ordering penalties totaling over $2 million against eight insurance companies for the way they handled homeowners’ insurance claims after Hurricane Ian and Hurricane Idalia. The agency also reported that two additional investigations were still underway and could result in additional fines. Chief Financial Officer Blaise Ingoglia stated that the fines were “proof positive” that the agency was committed to holding insurance companies accountable. However, […]

Insurance is expensive, and costs for various types of coverage seem to increase drastically every year. If you run a business, the different types of coverage to consider can be overwhelming. Some business owners probably purchase more coverage than they need, but many others end up with gaps that can leave them woefully unprotected in the event of an emergency. One type of insurance often overlooked is business overhead expense (BOE) coverage. Understanding what this […]

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 […]