Insurance Companies are shielded by Florida’s state courts by being allowed to hide important reports, estimates, communications and photographs

Insurance Policy, it is really a Legal Contract that goes on for over 40 pages with tons of fine print. Insurance companies can use all sorts of laws and tricks to get an advantage and not pay your claim in full. B. Michael Clark, Jr Esq  highlights the problem in the … [Continue reading]

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The Florida Supreme Court has ruled that policyholders have coverage for the whole property insurance claim even when there are multiple concurrent losse

The Florida Supreme Court has spoken. My office has argued this doctrine before, the Concurrent Cause Doctrine, and now with  Sego v. American Home Assurance Company, the Florida Supreme Court has made it the law of the land in Florida and insurance companies will no longer be abe to hide under dubious multiple … [Continue reading]

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New Cases in the Florida Sumpreme Court decedied: de la Fuente v. Florida Insurance Guaranty Ass’n

The Florida  Supreme Court has ruled that when Florida Insurance Guaranty Association (FIGA) takes over a covered claim, statutory definition of “covered claim” in effect when Insurer was adjudicated insolvent should govern any payments made on the claim, i.e. (1) the definition of “covered claim” in effect on the date that … [Continue reading]

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Cyber Security Awareness and commercial general liability policies (“CGL”)

When looking at  computer hacks, phishing schemes, malware and ransomware attacks, and other cyber-attacks and your insurance policy, there are going to be insurance coverage disputes. Companies that do not take out specific computer related coverage can find their coverage under commercial general liability policies (“CGL”) lacking. Insurance companies are fighting to not have … [Continue reading]

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Foremost Insurance is facing a home insurance fraud class action lawsuit

Foremost insurance, a subsidiary of Farmers Insurance is facing a Class Action lawsuit in Federal court over their failure  to include subcontractors’ overhead and profit in its Actual Cash Value evaluations of the damages. See the Story Need to File an Insurance claim? Insurance claims are a legal process and one should … [Continue reading]

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