You take pride in your home and faithfully pay your homeowners insurance premiums – but do you know what to do when you need to file a claim? In this post, we’ll discuss what homeowners’ insurance covers as well as your rights to file a claim under Florida law.
How Homeowners’ Insurance Policies Work
Florida law does not require homeowners to carry insurance. However, if you have a mortgage on your home, your lender likely requires a homeowners’ insurance policy in the mortgage agreement. Homeowners’ insurance protects against property loss and certain damages. It is typically organized into several coverage components, including the following:
The reason most lenders require you to carry homeowners’ insurance is to protect them from financial loss if your home is damaged.…
You may have heard that the vast majority of personal injury cases are settled, but even that is kind of an understatement.
According to the US government, somewhere between 95 and 96 percent of these cases end in a settlement. In other words, lawsuits based on injuries sustained during incidents such as car accidents almost never go to trial – and for good reason.
Going to trial is a bit of a wild card. While your lawyer will do their best to put forth the strongest case possible for your claim, there’s ultimately no knowing which way the judge or jury will decide.
Generally speaking, having a judge overhear your case is better than letting a jury decide it.…
On Black Friday, over 90 million Americans shop online or in-store. That many shoppers creates a huge potential for accidents to happen – and many do.
You may not consider shopping a risk-laden activity, but every year in the U. S., hundreds of Americans experience injuries while out at stores. Often, injuries are minor, such as bruises or scrapes. However, more serious injuries are possible. Incidents of neck and spine injuries, concussions, bone fractures, and even deaths have happened to individuals while shopping.
Retailers know this, and must take certain measures to protect their customers. If they neglect their duties, they open themselves up to a premises liability lawsuit and can be held liable for common shopping-related injuries – including those that occurred at Black Friday sales.…
If you got into a car crash over the Thanksgiving holiday, it was likely caused by negligence. Learn about the most common reasons for negligent driving, and whether you have a viable reason to file a personal injury lawsuit.
Every year, more and more car crashes occur due to distracted driving. The main reason is due to mobile phone use, whether it’s for talking or texting. Other reasons for distracted driving include conversations, eating, adjusting controls, reading, applying makeup, or personal grooming.
All these activities are potentially dangerous – and even life-threatening – because the driver’s full attention is taken away from the road.
Drunk or Drugged Driving
Thanksgiving weekend is a great time for friends and family to gather, but it typically involves more alcohol use than usual.…
A cruise can be a unique way to celebrate the holidays with your family. Most cruise ships go all-out for the holidays, offering special meals and unique themed festivities to cruisers. This means that you can enjoy a first-class celebration without the hassle of hosting it yourself.
If you have a cruise coming up this holiday season, preparing ahead of time can help you plan the best possible cruise for your family, and make the most out of your experience. Part of that preparation involves making yourself aware of common cruise ship injuries so that you and your family can take precautions to ensure everyone has a safe, enjoyable time.…