Merlin Law Group’s Post

Navigating the Waters of Property Insurance Disputes: A Pivotal Florida Supreme Court Decision The Florida Supreme Court recently issued a pivotal ruling in the case of American Coastal Insurance Company v. San Marco Villas Condominium Association, Inc. This decision clarifies the appraisal process in insurance disputes, particularly when there is disagreement over the amount of loss but unresolved coverage issues also exist. The Court determined that trial courts are not required to resolve coverage disputes before compelling an appraisal to assess the amount of loss. This ruling holds significant implications for the handling of first-party property insurance disputes in Florida, affirming that parties can seek appraisal of losses even amid unresolved coverage issues, thus ensuring a more streamlined resolution process in certain disputes. Citation: American Coastal Insurance Company v. San Marco Villas Condominium Association, Inc., SC2021-0883, Supreme Court of Florida, February 1, 2024.

Did you know that many property policies don't cover damage caused by or resulting from mold? Even if mold is the clear and proximate cause of property damage, you'll find no coverage under many usual commercial property insurance policies. Find out more about the "mold exclusion" and what it means for your business. Don't let surprise exclusions catch you off guard. Read the full blog post here: ➡️ https://lnkd.in/gzTwnFns #moldexclusion #commercialproperty #insurancelaw

The "ensuing loss" clause in all-risk property insurance policies can be a game-changer in terms of coverage. Recently, the Washington Supreme Court weighed in on this crucial provision in Gardens Condo v. Farmers Rich Ins. Exchange, offering clarity in an area where interpretation can be murky. This case underscores the importance of understanding the nuances within insurance policies and the need for knowledgeable advocacy to secure rightful coverage. Click here to read the full Case Alert by David G. Jordan and William E. Phillips IV and learn about the implications this case has for policyholders. #SDVLaw #AllRisk #EnsuingLoss #Insurance #Policyholders

Read your policy, it's important. Navigating Property Insurance Claims: Essential Insights for Policyholders | Property Insurance Coverage Law Blog https://lnkd.in/gDrvex4b

I read the Property Insurance Coverage Law Blog almost daily and learn a lot from it. In today's blog Chip Merlin finds fault with insurance company vendors striving to quickly and accurately valuate personal property losses. I simply don't get how there is anything wrong with this. Preaching otherwise sows discord into the adjustment process, making life more difficult for policyholders and adjusters. https://lnkd.in/ggHUdvkU

As an attorney, I understand the significant impact that changes in property insurance costs can have on homeowners and businesses in Florida. Our state's recent special session to address rising insurance rates is a crucial topic. To gain insight into these developments, I recommend reading this informative article by WLRN. We believe that knowledge is power, and staying informed about these legislative changes is key to protecting your interests. If you have questions or concerns about property insurance or any legal matters, feel free to contact us at (863) 457-3253. We're here to provide guidance and support. Join the conversation by sharing your thoughts in the comment section below. Your feedback is invaluable to us. Visit www.constantlawpa.com for additional resources, and don't forget to follow us on Instagram, LinkedIn, and YouTube at Constant Law, P.A. #ConstantlyInYourCorner #ConstantLawPA #PropertyInsurance #FloridaLegislation #Homeowners #BusinessOwners #LegalUpdates #LegalExpert #LegalAdvise #Florida #FloridaLawyer #FloridaAttorney #33844 #33880 #33830 #33803

Why a policyholder must eventually prove the amount of damage, and why those with significant damage should always consider hiring an experienced public adjuster to help. https://bit.ly/3IJuHFA #claims #insurance #publicadjuster #NAPIA

Did you know that warranties in insurance policies have significant coverage implications? There does not need to be a causal connection between an alleged breached warranty and the cause of a loss for such a breach to VOID policy coverage. It’s vital that we are identifying actual warranties in a policy, as opposed to weaker suggestions or loss prevention observations. When you are in the process of obtaining insurance coverage on a boat, pay close attention to the provisions it actually considers to be warranties.

Why a policyholder must eventually prove the amount of damage, and why those with significant damage should always consider hiring an experienced public adjuster to help. https://bit.ly/3IML445 #claims #insurance #publicadjuster #NAPIA

📢 Exciting news! Jeff Greenberg in our DeLand, FL office secures a major win! He obtained Final Summary Judgment for Defendant Esurance Property and Casualty Insurance Company, prevailing in a breach of contract case and alleged bad faith claims handling. Full details on this success can be found here ➡️ Read More. #InsuranceLitigation #LegalVictory