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Insurance Policies and Coverage Issues

Feb
12
2017

What does catastrophic coverage actually cover?

Tweet In light of some recent discussions on catastrophic ground cover collapse (or CGCC) it may be a good time to recap what that coverage actually covers. CGCC is a mandatory coverage included in all Florida policies as long as it is a policy written by a domestic carrier (companies like Loyds of London or [...]

Dec
29
2016

Downfalls of a forced placed insurance policy

Tweet Many people come into my office with policies that their own mortgage company bought. Most don’t see what the big deal is and never even thought about changing it. These are bad, bad policies that no homeowner should carry unless absolutely faced with no other choice. Essentially, if you have a mortgage you have [...]

Dec
16
2016

Johnson v. Omega continues to grow teeth

Tweet We wrote about a case this firm handled from the trial court assisting up to the Florida Supreme Court in September. The case, Johnson v. Omega, has become a hallmark whenever attorney fee issues arise in sinkhole claims now. It really has set the standard moving forward and put insurance companies on notice to [...]

Dec
9
2016

Corless Barfield gets great result for client in Ocala structural damage trial

Tweet It has been a busy trial season and our trial team had another successful result in November. The trial was focused solely on the issue of whether structural damage was present or not, without anyone having even tested for sinkhole activity, the first of its kind as far as we can tell. The trial [...]

Sep
30
2016

Corless Barfield wins sinkhole trial in Hillsborough County

Tweet Our firm took a denied sinkhole claim on a commercial property here in Tampa Florida to a jury last week and prevailed. The trial lasted four days and the jury returned a verdict in favor of our client, a local business owner, Thursday afternoon. The insurance company presented four experts and a corporate representative [...]

Sep
29
2016

Corless Barfield wins huge case in front of Florida Supreme Court in Johnson v. Omega Insurance

Tweet In 2010 my firm assumed representation of Kathy Johnson, an insured in Ocala with horrific damage to her home. Her claim was denied by Tower Hill (also named Omega Insurance). We hired another engineering firm who did more testing and found clear evidence of sinkhole activity. We moved forward with a lawsuit and shortly [...]

Sep
13
2016

Florida District Courts of Appeals continue to refuse to allow fee multipliers in sinkhole cases

Tweet As background to this issue, when a homeowner prevails against their insurance company on a sinkhole claim (or any insurance claim) the insurance company is required by statute to compensate the homeowners lawyer for their services. The court will look to how many hours the lawyer spent working on the case and then multiply [...]

Sep
2
2016

What is the best way to handle a claim denied for structural damage?

Tweet One of the most common questions we get is after someones claim has been denied based on a lack of structural damage how do we proceed for here. There are actually several different paths you could take that depend on the individual homeowners situation. One path is to request the carrier to do the [...]

Jun
5
2016

What is surplus insurance?

Tweet Surplus lines insurance carriers and basically insurance companies that are willing to take on large and/or riskier properties. Because they do so, they typically don’t have to be qualified by the State and therefore don’t necessarily have to follow the same guidelines that your typical domestic, private insurance company does. Whether that is good [...]

May
30
2016

How is commercial sinkhole insurance different than residential?

Tweet The coverage itself is usually quite similar. Remember that the sinkhole insurance offered here in Florida is written by Statute so all domestic insurance companies follow the same guidelines. Big differences in the coverage can arise when you have surplus lines carriers which often are the only options for a large, riskier commercial property. [...]