Hudson, FL- The community of Lakeside Woodlands has had 36 soil depressions, possible sinkholes, open up on private property since August 13, 2019. It’s easy to forget that the rainy season in Florida does not just bring flood risk. Increase in rainwater generally brings increased dissolution of limestone within the aquifer system. Ground cover collapse…

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It’s the season of summer trips and for many that means packing up your Airstream or Jayco and hitting the dusty trail. Having recently traveled many of the highways of our fair nation, I heard and read terrible tales about road accidents, freak tornadoes, damaging hail, flying awnings, electrical fires, campground thefts, water leaks, and…

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INSURANCE COMPANY HIRING ENGINEER WAS THE FIRST RED FLAG Professional Engineering Opinions are Often Used to Deny Valid Claims     While sometimes mandated by statute or policy, an insurance carrier’s unrequired association of an engineering firm to investigate an insurance claim is, many times, a red flag that the claim will be denied.  Insurance companies…

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After the Claim is Reported: Keep copies of all correspondence.  Communicate with your insurance  company in writing whenever possible and send emails or letters memorializing  verbal communications with insurance company representatives. Keep a log of all phone calls with the date, name, and title of the representative and detail what was said on the call.…

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After the Storm: Before any clean up, photograph and video any damage and debris in and around the building.  This inspection should occur only after a storm has passed and you are safe. DO NOT TOUCH ANYTHING prior to recording the damage. All debris, downed trees, damaged structures and contents should be left in their…

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Before the Storm: Make sure you have the right coverages.  Locate a copy of your insurance policy now (paper and digital). Review your insurance policy and endorsements to ensure coverage for hurricane loss. If you aren’t covered, contact your agent to add hurricane loss coverage. Call your insurance company and ensure all premiums are paid…

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On February 1, 2019, the Florida Office of Insurance Regulation released updated claim data for Hurricane Michael. Despite hitting a relatively less densely populated area of the state, OIR has calculated the total estimated insured losses to date at $5,527,887,797 on just 143,600 claims from just 15 counties. For comparison, Hurricane Irma’s total losses now…

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Last week attorneys Ryan Bennett and James Constable obtained a jury verdict in favor of a Pasco County policyholder for her claim for sinkhole loss. After just over 30 minutes of deliberation, the jury determined that the insurance company had not met its burden to prove that the structural damage to the insured property was…

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For much of the beginning of the 2018 Atlantic Hurricane season, the sea surface temperatures have been running below normal. Indeed, with warmer than average temperatures recorded in the eastern Pacific, the prevailing consensus among weather experts has been that we are experiencing an El Niño cycle this year. As many of you likely know,…

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The Florida Office of Insurance Regulation recently released updated claim data for Hurricane Irma. OIR has calculated the total estimated insured losses in Florida at $10,455,503,448, from a total reporting of 997,237 claims. Of those claims filed, 67% of claims came from Homeowners policies, 11% from Dwelling policies and 6 % from Mobile Homeowners policies.…

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