Category: Insurance Policies and Coverage Issues

September 29, 2016 by Morgan Barfield

The Johnson v. Omega Insurance case In 2010, the firm represented Kathy Johnson in a case against her insurance company, Omega Insurance. Omega had denied her sinkhole claim under the premise that there was no significant damage to her home. We hired another engineering firm who did more testing and found clear evidence of sinkhole…

September 13, 2016 by Morgan Barfield

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 that…

June 5, 2016 by Morgan Barfield

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 or…

May 30, 2016 by Morgan Barfield

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. (More…

May 23, 2016 by Morgan Barfield

Paying for extra sinkhole testing When an insurance company denies a sinkhole claim, the insured has the right to request a test for sinkhole activity when the insurance company may not have completed one themselves. Is this a smart move? Why your claim is denied While every situation is different and needs to be looked…