News & Resources

Most policyholders believe they are well insured and only become aware of coverage gaps when they file a claim. This is unfortunate as the gaps can lead to policyholders not recovering financially from the losses they suffer. While there are many different types of gaps that policyholders can experience, some are more commonly encountered by the Miami insurance law attorneys at VPM. Commercial Insurance Policy Gaps Inaccurate Listing of Insureds The declaration page of the […]

At our Miami insurance law firm, Ver Ploeg & Marino, we often represent companies that have had their claims for cyber liability denied by their insurers. These claims consist of different types of liability issues from cyberattacks to data breaches, and can cause a company to suffer significant financial and reputational losses.  First-Party Losses vs. Third-Party Losses There are two types of losses that can be sustained and trigger a claim for cyber liability. They […]

People and businesses own boats and other types of watercraft for a variety of reasons, from hauling cargo to using them for relaxing on the water. The purpose of the watercraft will generally dictate the type of insurance policy the owner should obtain, and when claims under those policies are denied, it can be for a multitude of reasons. When this happens, it is best to speak with a Miami property insurance lawyer at Ver […]

If your insurance company has denied your claim or resolved it unsatisfactorily, you may be able to bring a bad faith claim against them in court.  Of course, not every denial constitutes bad faith. As Miami insurance claim lawyers, we are experienced in determining whether an insurer has handled a claim appropriately and in recognizing bad faith insurance practices.  For a policyholder, the first step is to educate yourself as to what your insurance company […]

In Florida, insurance litigation disputes — often involving over-broad and unexpected policy exclusions — may lead one to question the liability of their insurance agent.  After all, if the insurance agent obtained the policy on your behalf, it’s possible that they have not satisfied their obligations and have somehow misled you into entering into an insurance agreement that did not adequately meet your needs. In the event that your insurance agent failed to adhere to […]

In Florida — as in other states — attempting to recover fully for your property losses can be quite a challenge.  Insurers understand that you may be in a vulnerable position, and they may take advantage by undervaluing your property losses or by otherwise appraising the property at issue in a way that creates an even more lopsided dynamic. If you find yourself disagreeing with your insurer over the value of your property losses, then […]

If you’ve submitted a claim for insurance benefits and have had those benefits denied, undervalued, or delayed (or have perhaps had the insurer refuse to step in and defend you against third-party litigation), then you may be entitled to challenge the insurer’s decision under Florida law. In some cases, the insurer has violated its obligations to you — the policyholder — to such an extent that it qualifies as bad faith misconduct.  Bad faith claims […]

Short term disability insurance benefits serve as a form of temporary wage replacement for those who are suffering from a serious disability (though it’s worth noting that not all plans require employment, or a history of employment, to qualify for disability benefits).  If you have been seriously injured in a car accident, for example, to such an extent that you can no longer work for a period of time following the accident, then your short […]

Your home is most likely the single largest investment you will ever make. It makes sense, then, to take precautions to make certain your investment is protected. To this end, most people in the Sunshine State have a residential insurance policy to protect their homes from the unexpected. If your home is subject to a mortgage, a residential insurance policy is required.  There are different kinds of insurance available to homeowners, and obtaining the correct […]

In simple terms, an insurance policy is a contract between the insured and the insurer whereby the insurer, in exchange for a premium, agrees to pay in case the insurer suffers a loss. When the insurer does not pay as required under the terms of the policy, a Miami property insurance lawyer from Ver Ploeg & Marino is here to help.  There are many different types of insurance policies that can insure against a wide […]