You may not know it, but if you have a Florida homeowner insurance policy, you have certain rights, as defined by the Florida Office of Insurance Regulation. The FLOIR Bill of Rights sets forth a timeline for the claims process, as well as certain services you are entitled to. The Bill of Rights also contains useful advice for claimants. As a Miami Insurance law firm dedicated to representing the interests of policyholders, we are familiar […]
There are many different types of insurance coverage available to small business owners. Knowing what you need will depend on many factors, including the type of services or goods you provide, where your business is located, its corporate structure, and the applicable state laws. As Miami Insurance Coverage Lawyers, we can help you navigate the many options, as well as evaluate whether your current coverage is adequate. First, here’s a summary of the most common […]
A Commercial General Liability (CGL) policy protects your business from financial loss stemming from injuries or property damage caused by your operations (or products) or personal injuries to third parties that occur on the company’s premises. It covers non-professional negligent acts, while professional negligent acts (such as malpractice) are covered under a Professional Liability policy. In addition, injuries to employees on company property are covered by workers’ compensation, not the CGL policy. When issuing general […]
The Eleventh Circuit Court of Appeals, which includes Florida, Georgia, and Alabama, has made clear that a five-year statute of limitations applies to bad faith claims in Florida. The case involved a policyholder’s bad faith claim against his automobile liability insurance provider for failing to settle a personal injury lawsuit. The insured had timely notified his carrier of a personal injury lawsuit brought against him involving an incident in which a passenger in his car […]
Miami Insurance Law Firm Liability insurance coverage is purchased to avoid the significant risks associated with a lawsuit, but insurance coverage does not always work out in a way that the policyholder might expect. Insurers maximize their profits by minimizing their time investment and other costs. It should therefore come as no surprise that liability insurers frequently deny coverage and skirt their plan-based responsibilities. This can put the policyholder in an incredibly vulnerable position, particularly […]
Miami Health Insurance Lawyer Though healthcare insurance denials are common, many policyholders are shocked when they are denied benefits for having received a medical device at the behest of their treating physician. In truth, healthcare insurers are built to deny as many claims as they can reasonably justify. They profit and thrive on the expectation that you will not challenge their decision and that they will “get away” with not having to pay out the […]
Miami Insurance Law Firm If you’re being sued by a third-party due to them having suffered injuries in an accident that could implicate your commercial general liability (CGL) insurance coverage, then you may find yourself facing new and unexpected challenges. Insurers have a tendency to deny claims when they can just barely justify doing so, even if they are making bold and unsupported assumptions. In the CGL insurance context, this often happens with regard to […]
Miami Property Insurance Lawyer In Florida, and elsewhere, property insurance policyholders frequently have their claims denied due to the existence of “concurrent causes” of loss. A concurrent cause is one of multiple causes that contributed to the damages at-issue. For example, if your house is damaged in a severe tropical storm, some of the losses may be due to water, and some due to wind. The wind conditions and the water damage might each be […]
Health insurance policyholders who are suffering from catastrophic or even life-threatening injuries, illness, and other medical conditions may find that their insurance carrier is not necessarily amenable to extending coverage to experimental treatments. Though the outcome of an experimental treatment may not be certain, and though there may be concerns about efficacy, safety, and long-term health, there are many patients who are left with no other recourse. If your insurer has denied coverage for an […]
In the homeowner’s insurance context, insurers deny claims for a variety of reasons, some reasonable, some not so reasonable. Fundamentally, insurers are incentivized to deny claims and minimize their payouts. For example, if you are entitled to recover $100,000 in a homeowner’s insurance claim, but the insurer’s initial denial convinces you not to bother pursuing the insurance claim, then the insurer will have saved a substantial amount of money by simply acting adversely to your […]
