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5 Justifications for Homeowner Insurance Denial

Mon Aug 31st, 2020 on     Homeowners Insurance,    

Experienced Miami Insurance Litigation Lawyer   As a general rule, homeowners purchase property insurance with a level of optimism — they tend to operate under the assumption that, in the event their property is seriously damaged, they will be covered by the purchased policy, and that submitting a claim (and receiving the necessary payout) will be fairly straightforward. Unfortunately, homeowners often find that the truth is quite a bit messier than they might have originally […]

Fidelity and Crime Insurance Coverage: Our Miami Insurance Litigation Lawyer Answers Your Questions

Mon Aug 17th, 2020 on     Insurance Law,    

Crime insurance is critical for many businesses to “cover the gaps” in the event that they are subject to losses caused by dishonest employees or third-parties.  After all, systemic fraud committed by an employee can seriously disrupt a business, possibly even sending it into bankruptcy. If you operate a business and have been affected by the commission of a crime — whether by an employee or a third-party — then you may be entitled to […]

5 Common Reasons Why Disability Insurers Deny Claims

Fri Jul 31st, 2020 on     Insurance Law,    

Experienced Insurance Law Firm in Miami, FL If you’ve submitted a claim for disability benefits in Florida and have had your claim denied (or if you are planning on submitting a claim for benefits), then you may be feeling confused and overwhelmed.  In truth, policyholders are not powerless — so long as they understand the strategies that the insurer is likely to employ. Let’s take a look at some of the common reasons for a […]

Business Interruption Insurance Disputes — Frequently Asked Questions

Fri Jul 17th, 2020 on     Insurance Law,    

Experienced Insurance Law Firm in Miami, FL Business interruption (BI) coverage is an essential form of insurance that is meant to shield businesses from the inherent risks associated with a disruptive event (however that is defined by the policy).  For example, if a natural disaster impacts your community’s economy, and as a consequence disrupts the business, then your BI coverage might pay out benefits to cover the associated losses. Still, there are a number of […]

Insurers Have a Duty to Defend Covered Claims

Tue Jun 30th, 2020 on     Insurance Law,    

Leading Insurance Law Firm in Miami, FL Policyholders — in Florida and throughout the country — often do not realize the extent of their legal rights accorded by their insurance coverage.  If you have been sued by a third-party pursuant to a claim that is (potentially) covered by your policy, then Florida law may require that your insurer step in and defend you in the litigation at issue. This is a very useful mechanism, of […]

Common Roadblocks to Securing a Payout Under Your Disability Insurance Policy

Fri Jun 19th, 2020 on     Disability Insurance,    

Experienced Disability Insurance Lawyer in Miami, FL If you have suffered an injury, illness, or other condition that has rendered you disabled, then it’s likely you are entitled to benefits pursuant to your disability insurance policy.  In reality, however, most insurers attempt to avoid having to payout disability benefits (even if you are reasonably entitled to such benefits) by rejecting initial claims. To successfully obtain disability benefits, then, we encourage you to consult with an […]

Cyber Liability Insurance Coverage — the Basics

Fri May 29th, 2020 on     Insurance Law,    

Leading Insurance Law Firm in Miami, FL In today’s technologically-driven world, cybersecurity has become an increasingly critical concern for businesses that store, manage, and distribute consumer data — sensitive and otherwise. Over the past decade, a number of significant data breaches — including the infamous “Sony hack” and the “Equifax incident” — have disseminated the data of hundreds of millions of customers to the world, exposing said customers to both privacy violations and potential personal/financial […]

Boat Insurance — Common Coverage Issues

Thu Apr 30th, 2020 on     Insurance Claims,    

Experienced Insurance Law Firm in Miami, FL Florida has the second-longest coastline in the United States, and — in conjunction with its year-round warm weather — has become a hotspot of marine activity, particularly personal watercraft: small boats, yachts, and more. The high volume of seaborne traffic, as well as the nature of watercraft use in Florida (i.e., highly tourist-oriented) makes it rather dangerous to operate a boat without sufficient insurance coverage. Despite the fact […]

What Qualifies as a “Business Interruption” for Insurance Purposes?

Tue Mar 31st, 2020 on     Insurance Claims,    

If you’ve purchased business interruption (BI) insurance and are planning to submit a claim for benefits — or have already submitted a claim and have been denied — then you may be feeling somewhat confused by the ambiguity of coverage, and how that can be used by the insurance company to deny your claim. For example, you might have initially believed that your insurance covered you for man-made disasters (i.e., an arsonist-caused fire), only to […]

Construction Defects Must Trigger Property Damage for Coverage Under Florida Insurance Law

Tue Mar 17th, 2020 on     Homeowners Insurance,    

Leading Insurance Law Firm in Miami, FL Homeowners’ insurance coverage can often lead to confusion down the line when policyholders are attempting to secure a payout after having experienced property damage to their home.  As with other types of insurance plans, homeowner’s insurance payouts are manipulated cleverly by insurance companies to minimize their liabilities — wherever possible (so long as the language of the plan supports it, and even when it doesn’t), the insurance company […]

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