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Monthly Archives: October 2020

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Ordinance and Law Change Exclusions in Insurance Policies

By Velasquez & Associates |

We have written in the past about the difficulty that some businesses may face if they make business interruption or property damage insurance claims because of COVID related closures. Although the law is certainly relatively new, language in most policies seems to exclude damage done by viruses. Of course, many states and cities have… Read More »

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What if Multiple Events Combine to Cause Property Damage?

By Velasquez & Associates |

When there is damage to your property you may think that you know what caused the damage. For example, if there is a strong windstorm that causes damage, it may be clear to you that the windstorm caused the damage. But in the real world, there can often be multiple reasons why property is… Read More »

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What is Reinstatement and How Bank Errors Can Keep Homeowners in Foreclosure

By Velasquez & Associates |

When a homeowner is put into foreclosure, the initial reaction may be to fight the foreclosure. That is very valid; many foreclosures are fraudulent, instituted by the wrong party, or the bank simply doesn’t have the paperwork that it needs in order to foreclose. What is Reinstatement? Sometimes the homeowner wants to get current,… Read More »

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Should You Worry About Second Liens Foreclosing?

By Velasquez & Associates |

When we talk about being in foreclosure, usually we talk about foreclosure on first liens—that is, the primary loan that you took out when you bought the home. First loans are called first because they are usually the first loan that you borrowed to buy the home that you are in. Second Loans But… Read More »

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