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December 2016 Archives

3 ways to avoid a denied homeowners' liability claim

Most homeowners' insurance policies provide liability coverage that offers protection against lawsuits if a person is injured or suffers damage to their property while on your premises. All too often, however, liability claims are denied by insurers for unclear or unfair reasons.

Insurance concerns from Hurricanes Hermine, Matthew linger

At this time of the year, most people are focused on preparations, gatherings and all things holiday-related. Indeed, it's probably safe to say that the last thing on the minds of many Floridians are the two major hurricanes that hit the state this past fall -- Hurricane Hermine in September and Hurricane Matthew in October.

Understanding insurance bad faith and other important issues - II

In a previous post, we discussed how the failure on the part of an insurance company to fulfill its duties to defend and indemnify may be grounds for an insurance bad faith lawsuit. Specifically, we discussed how aggrieved policyholders can pursue either first-party claims -- failing to settle claims in good faith -- or third-party claims -- failing to settle third-party claims within policy limits in good faith.

Rejection of benefits leads to bad faith insurance lawsuit

Many people in Florida and elsewhere do not question an insurer when it issues a denial of benefits. In many instances, however, insurers will interpret language in the policy to their own benefit. When they do that blindly and ignore their plain responsibilities to their insured customer, the company may be liable to the insured under the principles of bad faith insurance law.