Thursday, March 22, 2012



News and Updates

News and Updates
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News and Updates

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News and Updates

Hurricane Strikes in July Are Rare

by Florida Office of Insurance

Hurricane season has been quiet so far. If you were raised in South Florida or have lived here for a few years, you know that hurricanes typically become a major concern in the months of August, September and October. However, that doesn't mean that we won't see a storm in July. Since 1900 Florida has [...]

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Holocaust Profiteering - Insurance Companies Refuse to Pay Life Insurance Policies for Those That Died During the Holocaust

by Florida Office of Insurance

The Holocaust took place in Germany from 1933, when Adolf Hitler became Chancellor of Germany, and lasted until the end of WWII in 1945. During this time, Jews in Europe were subjected to harsh persecution that ultimately led to the systematic murder of 6,000,000 Jews (1.5 million of these being children) and the destruction of [...]

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Lawsuit Filed for Wind Damage to Roof

by Florida Office of Insurance

 My client, who lives in eastern Volusia County, suffered wind damage to his roof during a significant unnamed storm on January 25-26, 2011.  He submitted the claim to his homeowners insurer.  As often happens, the homeowners insurance company hired an engineering firm to inspect the roof and prepare a report.  As often happens, the engineer [...]

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Media Advisory: State Farm Florida Insurance Company

by Florida Office of Insurance

View full post on Office of Insurance Regulation - Press Releases Tags: Social Issues, Office of Insurance Regulation, State, Farm, Media

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Lawsuit Filed Against Homeowners Insurer for Denying Collapse Damage

by Florida Office of Insurance

My client notice water staining on his first floor ceiling.  His home was a two story house.  He is a building contractor and opened up the ceiling and found significant damage to the wood member and floor joists supporting the second story.  All of this wood damage was hidden from sight before he opened up the ceiling.  [...]

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Lawsuit Filed for Sinkhole Damage

by Florida Office of Insurance

 My client recently noticed cracking in the walls and foundation of his home.  He asked his homeowners insurance company to inspect for possible sinkhole activity affecting his home.  The homeowners insurer retained an engineer and a geologist to inspect the home and perform sinkhole testing.  The insurance company's engineer and geologist concluded that there was [...]

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Is Your Insurance Claim Barred if You Fail to Comply With All of the Conditions Set Forth in Your Insurance Policy Prior to Filing a Lawsuit?

by Florida Office of Insurance

Every insurance policy written in Florida contains numerous conditions that are imposed on the policy holder/insured. The policy holder must adhere to those conditions precedent before it can file a lawsuit against the insurance company. Those conditions are present so as to permit an insurance company to properly and timely investigate a claim. The conditions [...]

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Florida Office of Insurance Regulation Media Advisory: Sinkhole Data Call

by Florida Office of Insurance

The Office of Insurance Regulation (Office) issued a data call yesterday (August 24) to the commercial and residential property insurance industry in Florida to collect claims data related to sinkholes. View full post on Office of Insurance Regulation - Press Releases Tags: Financial services, property insurance, Call, home insurance, United States

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Is Your Business Ready for Hurricane Season?

by Florida Office of Insurance

With hurricane season upon us, now is the time for all businesses throughout South Florida to property plan for hurricane season. It is vital for every business owner or professional to have a disaster plan in place that includes knowing how to assess damage, understanding how to properly file an insurance claim, and make the [...]

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Media Advisory: Office of Insurance Regulation Releases Sinkhole Report

by Florida Office of Insurance

Today Florida Insurance Commissioner Kevin McCarty discussed the Office of Insurance Regulation’s Report on Review of the 2010 Sinkhole Data Call with the Florida Governor and Cabinet. View full post on Office of Insurance Regulation - Press Releases Tags: Social Issues, List of Governors of Florida, Sinkhole, David Byrne, insurance regulation, Releases, advisory office florida [...]

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Statement From Commissioner Kevin McCarty on the Passage of HB 1065 Out of the House of Representatives

by Florida Office of Insurance

View full post on Office of Insurance Regulation - Press Releases Tags: Commissioner Kevin McCarty, Statement, house, Press Releases Statement

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Examinations Under Oath Must Take Place at a Mutually Convenient Time and Place as Contemplated by the Insurance Policy

by Florida Office of Insurance

As we have discussed before, most insurance policies have several conditions that the insured must satisfy before an insured can file a lawsuit against the insurance company. One of the most common condition is having the insured sit for what is known as an Examination Under Oath (EUO.) An EUO is a sworn statement given [...]

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Lawsuit Filed to Determine Proper Sinkhole Remediation Plan

by Florida Office of Insurance

My client's homeowners insurer, Nationwide, confirmed the presence of sinkhole damage at his home.  However, the remediation plan proposed by the insurance company's engineers only calls for underground grouting.  The insurance company also estimated the damage to their insured's home (which appeared at first blush to be quite light).  I retained a geologist, engineer, and forensic [...]

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Is This Really "Flood" Damage?

by Florida Office of Insurance

I have previously written on what is and is not "flood" damage.  Now, another chapter in that same story. My client's home was inundated with water when the fire hydrant at the front of his property literally blew off.  The ensuing deluge undermined the foundation of his house, and penetrated his frame walls, and soaked [...]

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Will Your Wireless Devices Work During and After a Hurricane Strike?

by Florida Office of Insurance

Our society has become very dependent on technology. We often turn to our cell phones, smart phones, tablets, laptops, desktops, and other such devices to find out the latest news, current events, and other pertinent information. Therefore, it stands to reason that if a hurricane were to strike South Florida that we would all turn [...]

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Home Insurance Prices Keep Going Up Despite the Decline in Property Values

by Florida Office of Insurance

The past few years has seen the real estate market collapse. Home values have declined by greater than 50% in many markets throughout Florida, and especially here in South Florida. Yet despite those declining values, many home owners have seen their home insurance rates rise in recent years. Despite the decrease in home values, many [...]

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