Category: Insurance Claim

That denial letter from your insurance company is a gut punch. You pay your premiums on time, expecting a safety net when you need it most. As a policyholder, you have specific rights under Florida law that govern the claims process, but many homeowners are still met with a rejection filled with confusing jargon about “pre-existing damage” or vague “policy exclusions.” You’re left with a damaged roof and a feeling of betrayal.

This is a frustratingly common story. But a denial is not the end. It’s the start of a fight, and you need the right tools. Think of this as your legal toolkit to challenge the insurance company’s decision and protect your home. Continue reading “What to Do When Your Roof Claim Gets Denied: A Legal Toolkit” →

Are you an employee? The answer seems simple, but in today’s gig-based economy, it’s not. Many employers in Florida classify workers as “independent contractors” to cut costs, stripping them of critical rights and protections they are legally owed. This isn’t just a label on a tax form; it’s a distinction that can affect your entire livelihood.

Being misclassified means you could be denied overtime pay, left without a safety net if you’re injured, and refused unemployment benefits if you lose your job. Continue reading “Employee vs. Independent Contractor: Why It Matters Under the Law” →

Florida is among a handful of states in the U.S. that use a no-fault auto insurance system. This means that all motorists are required by Florida law to obtain personal injury protection or PIP, insurance coverage. This insurance coverage affects how you’ll move forward and obtain compensation for certain losses after a motor vehicle crash in Florida. 

Read on for a complete guide to Florida’s PIP coverage and what you need to know as a driver.  Continue reading “Navigating Florida’s PIP Coverage: What You Need to Know” →

After being in a car accident, it can be challenging to manage medical care, insurance claims, auto repairs, and your regular responsibilities. One step you can take to manage these stressors is scheduling a meeting with a car accident lawyer. Your attorney can speak directly with your insurance company and work to obtain your rightful compensation for any losses related to the crash. 

Make the most of your first meeting with your auto accident attorney by arriving prepared. We recommend completing the following steps to maximize your time: Continue reading “Preparing for Your First Meeting with a Car Accident Lawyer” →

In a perfect world, your insurance company would pay you the compensation you deserve, no questions asked. Unfortunately, in reality, that’s simply not the case.  

Insurance companies look out for their bottom line – not their policyholders’ best interests. So, they’ll often find excuses to deny claims and avoid paying compensation. Common excuses include: Continue reading “Common Excuses Insurance Companies Use to Deny or Low-Ball Claims” →

After being involved in an auto accident, you’ll begin the process of recovering compensation for damages, such as medical expenses. As part of this process, your insurance company will examine the crash and evaluate evidence to determine the amount of the compensation. 

During the claims process, your insurer may ask you to give a recorded statement. This statement will be considered with the rest of the evidence from the accident. But, are you required to provide this statement? Continue reading “Is It Required to Give a Recorded Statement to the Insurer?” →

A denial notice from your insurance company after an auto accident is never welcome, especially as you’re trying to manage other post-crash stressors. But, rest assured: if an insurance company denies your claim, there are other steps you can take to receive compensation. 

What Causes Insurance Claim Denials in Florida?

First off, it’s important to remember that insurance companies are for-profit entities. To make as much money as possible, insurers aim to deny claims whenever possible or pay less than the full claim amount. So, while some claims are denied for legitimate reasons, others are denied or minimized due to formalities, loopholes, or even mistakes in the police report.  Continue reading “What to Do Next if an Insurance Company Denies Your Claim” →

The time after an auto accident can be a whirlwind and a stressful one at that. But, during this crucial period, you may need to file an insurance claim to recover compensation for damages.

The claims process can be confusing, especially as you recover from an accident. So, if the insurance company asks for a recorded statement, you may wonder if you should oblige, or if doing so may hurt your claim. 

In this article, we’ll discuss whether you’re required to provide a recorded statement to an insurance company after an accident.  Continue reading “Am I Required to Give a Recorded Statement to an Insurance Company After A Motor Vehicle Accident?” →

Everyone has the right to a safe work environment. In Florida, employees are legally protected from hostile work environments, but many don’t understand the extent of their rights under state and federal law.

In this article, we’ll go over what’s considered a hostile work environment to help Florida employees better understand their legal protections. 

What Defines a Hostile Work Environment in Florida?

A work environment may be considered hostile if one or multiple employees are subject to discrimination, harassment, bullying, or offensive comments. These actions compromise the reasonable expectation of a safe, comfortable work environment.  Continue reading “Understanding What’s Considered a Hostile Work Environment in Florida” →

The Homeowner Claims Bill of Rights defines the rights and responsibilities of homeowners insurance policyholders in Florida. Florida’s law requires insurance companies to provide residential policyholders with this document within 14 days after the policyholder reaches out about a claim. The Bill of Rights helps protect homeowners during the insurance claims process, helping to secure their rightful compensation in the case of a claim.  Continue reading “What is the Homeowner Claim Bill of Rights?” →