At Citizens Property Insurance it’s ok to be bad to their policyholders Citizens Property Insurance Company is immune from Bad Faith liability. What this means for the residents of Florida who have their homeowners insurance policy with Citizens is that there is no true recourse if they do not honor the insurance contract. If they ...
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Fighting Back When Your Insurance Claim is Denied
DELAY, DENY, DEFEND: Why Insurance Companies Don’t Pay Claims – And What You Can Do About It. It’s sad when a company loses its way. Toyota built a worldwide brand on the promise of quality and reliability, only to see that brand tarnished by its recent massive recalls. It’s sadder still when an industry loses ...
Read MoreManaged Repair v. Assignment of Benefits
HOMEOWNERS- HOSTAGES IN A HOSTILE CLAIMS ENVIRONMENT Managed Repair v. Assignment of Benefits Florida Insurers, including Citizens Property Insurance Corporation, are flocking to “Right to Repair” Managed Repair Programs claiming that to fight off fraudulent or inflated Assignment of Benefits (“AOB”) claims, insurance companies themselves must hijack their own policyholders’ claimsbefore anyone else can ...
Read MoreDangers of mold
MOLD ILLNESS: WHAT IT IS AND HOW YOU KNOW IF YOU HAVE IT Mold. You may not be able to see or smell it, yet it may be growing in your home and the reason you feel sick. Mold poisoning may be impacting your health. How do you know? In this blog, I want to ...
Read MoreWater damage coverage removed
POLICY FORMS CHANGING AND COVERAGE SLASHED BY PEOPLE’S TRUST INSURANCE COMPANY How would you feel it you had you a sudden and accidental water damage event occur in your home and find out that your insurance company wouldn’t cover it. Unfortunately, this will be the case for many who have People’s Trust Insurance Company. I ...
Read MoreBuyer beware
ANOTHER OUTRAGEOUS INSURANCE CLAIM DENIAL BY PEOPLE’S TRUST INSURANCE COMPANY, PART I A jury awarded $766,258.06 to Florida policyholder Raymond N. Roddy who lost his home in a house fire. Mr. Roddy prevailed again this week when 4th District Court of Appeals found no error and ended People Trust Insurance Company’s appeal. The Court ...
Read MoreManaged repair programs
Managed Repair – Don’t be a sucker Like lemmings over a cliff, Florida’s property insurers are trending towards a preference for the managed repair of covered property damage. Some of the major insurers in the Florida homeowners’ market using managed repair include: Heritage Property & Casualty Insurance Company; People’s Trust Insurance Company; and Florida Peninsula ...
Read MoreWe Must Pick a consumer- friendly insurance regulator
ear after Gov. Rick Scott tried to force an insurance regulator on the public, he and the Florida Cabinet will conduct interviews today for the state’s most powerful unelected position. They should choose the person who will make consumers, not industry, the priority. In early 2015, aides to the governor and members of the Cabinet — Attorney ...
Read MoreContrary to popular belief, the Insurance companies are not broke
FILL IN THE BLANK You cannot make this stuff up. Anyone who reads this blog knows how frustrated I get with the insurance industry’s constant complaints that “ is responsible for rising premiums.” The is always something different depending on what year it is—sinkholes, water claims, fraud, trial ...
Read MoreYou need all the forms of your policy and don’t forget to RTFP
A FEW POLICY FORMS ARE NOT SUFFICIENT: YOU NEED EVERY PAGE OF YOUR POLICY The eight or twelve pages of documents you keep in your file labeled “homeowners insurance” is not enough. In order to truly understand the insurance coverage you have purchased, you must have the complete policy. This is a contract between you ...
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