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Category Archives: Property Damage Insurance

ProdLiab4

Why Are Mass Tort Defective Product Cases So Difficult To Win?

By Velasquez & Associates |

When products are defective and they injure people, those injuries can be limited—but they also can injure a great many people. With the number of people who use many commercial products or medications, all it takes is one defective product to potentially impact and injure thousands, tens, or hundreds of thousands of people. But… Read More »

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Mold2

Can You Make A Homeowners Insurance Claim For Mold?

By Velasquez & Associates |

In Florida, many people see mold as a fact of life, what with our humidity, heat and rainfall. But mold is hardly innocuous; depending on the kind of mold, and who you ask, mold can either inflame allergies, or cause cancers. So when you do see or find mold, you may want to make… Read More »

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InsuranceHome

How Having The Wrong Kind Of Insurance Policy Could Put You Into Foreclosure

By Velasquez & Associates |

If you have a mortgage on your home, almost every lender will require that you insure the property. Many people are already aware of this. However, what you may not be aware of, is that you could be treated as uninsured by your lender, and possibly foreclosed upon, even if you are actually insured…. Read More »

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Legal18

Why Do Defendants Love Arbitration So Much?

By Velasquez & Associates |

You often hear in the news about consumers winning victories, as courts declare arbitration clauses illegal. But what are arbitration clauses, and why do big businesses, like insurance companies or large stores or companies, like them so much? What is Arbitration? Arbitration is like a court trial, only there are significant differences. The main… Read More »

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InsuranceClaim2

Ambiguity And Confusion In Insurance Contracts

By Velasquez & Associates |

Even though your homeowners insurance policy is seemingly endless, with small type, and even though it has been crafted and edited by the insurance company throughout the years, it still happens: there are words or phrases that are vague or ambiguous, open to interpretation to two or more meanings. Questions Resolved in Favor of… Read More »

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Dryer

Dryer Safety, And Insurance Coverage For Dryer Fires

By Velasquez & Associates |

Nobody likes doing laundry. But laundry can go from miserable to dangerous pretty quickly just using a household item we all use—the dryer. Dryer fires can be serious, and many people don’t even know they are a hazard. Dryer Fires are Common An astounding 92% of all home fires are caused by clothes dryers…. Read More »

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OldRoof

Homeowners Risk Having Policies Canceled Because Of Older Roofs

By Velasquez & Associates |

Usually when we hear about insurance companies dropping policyholders, it’s because of hurricanes, or other weather that is unique to South Florida, and which causes a lot of policy claims to be made. But recently, it was reported that insurance companies may be dropping homeowners from policies, for no other reason than the age… Read More »

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InsurCover

What Is Covered In A Typical Homeowners Insurance Policy?

By Velasquez & Associates |

When you look at a homeowners insurance policy, one of the first questions you may have is “what does my policy cover?” That’s actually a more complex question than you may think, and as you can imagine, the answer wildly varies depending on your insurance company, and the amount of and extent of coverage… Read More »

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ShowerDrain

Shower Pan Leaks Can Cause Serious Damage

By Velasquez & Associates |

The shower and bath area: It’s supposed to be wet, right? So when you see a little mold or a little mildew, your first thought may be that it’s no big deal. You then notice that there is a little more water accumulating round the shower area than there used to be, but you… Read More »

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InsDisp

Supreme Court Opts Not To Hear Appraisal Case

By Velasquez & Associates |

Most homeowners insurance policies require that the parties submit to an appraisal, in the event that coverage is accepted, but there is a dispute about value, or the amount of damages. A hot issue in appraisals is whether a public adjuster can serve as the appraiser. The Arguments on Both Sides Insurance companies say… Read More »

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