Category: Insurance Policies and Coverage Issues

February 3, 2016 by Morgan Barfield

Many things can cause damage to a house here in Florida. The obvious being hurricanes and storms and the less obvious being below the ground. We all know about sinkholes but many other conditions exist that can cause settlement of a property. Two things we deal with a lot here in Florida are clay and…

January 27, 2016 by Morgan Barfield

Recently insurance companies and their lawyers have been making the argument that homeowners in Florida have no legal rights whatsoever to challenge the repair plan set forth by their own engineers. They base this argument on language in the policy and statute that they only have to pay for the repairs of their chosen engineer….

January 2, 2016 by Morgan Barfield

Have you encountered an insurer refusing to pay even when a valid contract exists with contractor, but insurer is concerned that lender will withhold insurance proceeds for past due mortgage? Does 627.707 (e) create an affirmative obligation for insurer to address with lienholder? Generally speaking, a lien holder does have a equal right to be…

December 14, 2015 by Morgan Barfield

In the ever changing world of sinkhole law, we always see tweaks to policies and some insurance companies may have their policies read slightly different than others. Most insurance policies will read very similar to all the others because usually insurance policy language has to be approved by the Office of Insurance Regulation before it…