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Category Archives: Property Damage Insurance

Legal4

Recent Case Looks at Homeowner’s Delay in Filling Out Insurance Paperwork

By Velasquez & Associates |

We’ve written in the past about what happens if a homeowner making a homeowner’s insurance claim doesn’t follow the time restrictions in the homeowner’s insurance policy. In many cases, failure to abide by deadlines, such as the deadline to make a claim, or allow an inspection, can lead to a claim being denied. A… Read More »

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Sinkhole3

The Constitutional Challenge to a Sinkhole Claim Law

By Velasquez & Associates |

In the world of homeowner’s insurance, it is rare that constitutional questions come into play. But sometimes they do. One example where this happened was in 2012, when the Florida Appellate Courts determined what the Florida legislature could do in homeowner’s insurance cases. Law is Challenged as Unconstitutional The case involved a challenge to… Read More »

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LegalAdvice

Exploding Bodies and Named Peril Insurance Policies

By Velasquez & Associates |

Rarely in the world of homeowners insurance are there disputes or cases that we would consider to be gross or distasteful. But in the world of the law, you never know what kind of disputes can arise, and homeowner’s cases are no different. That’s why it may (or may not) be important to know… Read More »

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Legal16

Can You Get Consequential Damages in a Property Insurance Damage Lawsuit?

By Velasquez & Associates |

In a property insurance contract, damages for the homeowner when the insurance company breaks the insurance contract by not paying, or by not paying the proper amount, is generally whatever it would cost to fix the property (in addition to attorneys fees and costs). In other words, if your house is flooded, and the… Read More »

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PropInsurance2

Unusual Things Your Homeowners’ Policy Covers

By Velasquez & Associates |

One good thing about homeowners’ insurance is that it covers damage and losses that you may not think of, and can make sure that if you have damage to your property, that you are not “out of pocket” in having to make necessary repairs. Here are some things that your homeowners’ insurance policy likely… Read More »

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Legal1

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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ProperIns

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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Lit3

What Kind of Experts are Used in Property Insurance Cases?

By Velasquez & Associates |

When we think of expert witnesses, we most often think of those that may be involved in personal injury cases, or criminal cases. But expert witnesses play a large part in homeowners’ insurance claims as well. It is important for every property damage insurance attorney and their clients, to know what kinds of experts… Read More »

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Sinkhole2

Sinkholes: The Forgotten Danger to Property

By Velasquez & Associates |

Florida is home to a myriad of natural disasters which can cause catastrophic losses to property, homes and businesses. One such potential cause of damage are sinkholes. We tend to think of sinkholes as enormous, gaping holes that open up and swallow entire houses or roadways. But even small, slight sinkholes, that are not… Read More »

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InsuranceHome

What is Homeowners’ Liability Insurance?

By Velasquez & Associates |

If you have homeowners’ insurance, part of your coverage is to protect and insure you from losses that occur from damage to your home. This is damage that is caused by wind, floods, hail, sinkholes, falling branches, and many other things that can damage the structures and interior of your home. Liability Insurance But… Read More »

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