Recorded statements. Do not do this alone. Seek counsel. Insurance attorneys love when you are not represented. They feel like they can ask any questions that may be intrusive. Don’t make this mistake if you’re asked to do a recorded statement. Please consult with experienced assurance attorney.
What is prompt notice? Prompt notice means you give notice to your insurance company as soon as practicable. Insurance companies routinely rely on prejudice for late reported claims for advice regarding late reporting of a claim. Please consult with your insurance agent or speak with an experienced insurance attorney.
You must mitigate damage in your property. Do not let your damages get worse. Do not wait to make repairs to make sure you are properly mitigating damages. Please consult with your insurance agent or speak with an experienced insurance attorney.
EUO, examination under oath. For an EUO, it is possible that your agents have to sit for one if requested. Your insurance company has a right to request that your business associates or family members sit for an EUO. If these people are within your control, they’re required to sit for an EUO. If you … Continue reading “What is an Examination Under Oath?”
Don’t forget to retain damaged property. Insurance companies love to claim that a portion of a pipe or a wall was missing during their inspection. Make sure to provide photos if any of any reconstruction work. If you are unsure, please contact your insurance agent or speak with an experienced insurance attorney.
Liability, it doesn’t cover for intentional acts. Liability coverage is not meant to cover a policy holder for actions that are intentional. You cannot intentionally set your neighbor’s house on fire or vandalize their property and be covered. If you are unsure whether your actions are covered, contact your insurance agent or speak with an … Continue reading “Liability Won’t Cover Intentional Actions”
Question, does your homeowner’s insurance policy provide liability coverage for incidents not at your house? Liability protection extends to incidents that do not happen on your property. For instance, if you are grilling and a tree branch from the neighbor catches on fire and that spreads to the neighbor’s property, you may be covered for … Continue reading “Does Liability Cover You for Incidents NOT at Your House”
It is important for you to understand the liability coverage with your insurance policy. Every homeowner policy has liability coverage for bodily injury caused to others at their home or property damage to other property. It doesn’t cover for every incident. It is there to protect policy holders from incidents that are not expected or … Continue reading “Understanding Your Liability Coverage”
Did you know under the new Florida law, it eliminates assignment of benefits on policies issued after January 1st, 2023. That means you cannot provide companies the right to sue your insurance company for services they provided to you. In other words, you will need to hire these companies without any expectation of being reimbursed … Continue reading “New Law Eliminates AOB. Details Inside”