NOW ACCEPTING INSURANCE CLAIMS FOR HURRICANE IAN. CALL NOW!

Our Blog
Even Rear-End Crashes Can be Serious

Even Rear-End Crashes Can be Serious

personal injury
Many people refer to rear-end collisions as “fender benders” since these crashes tend to happen at slower speeds and cause minimal damage to the vehicles involved. However, never underestimate a rear-end collision’s ability to result in serious injuries. Always get a medical evaluation and, if you have injuries, discuss your rights with an Oviedo and Casselberry car accident attorney. Common Injuries from Rear-End Accidents When another vehicle slams into the back of your car, you often have no warning the accident is about to occur. You do not have time to brace yourself or take any action to prepare for the impact. A rear-end impact can jolt your body forward and back - often violently. This can happen even if you are wearing a seat belt and if airbags deploy.…
Read More
PIP/Medical Billing – COVID Public Health Emergency (“PHE”) and CPT Code 99072

PIP/Medical Billing – COVID Public Health Emergency (“PHE”) and CPT Code 99072

personal injury
The Biden administration extended the public health emergency designation for the COVID 19 pandemic.  If you are a medical provider treating patients during a PHE, your clinic is entitled to bill CPT Code 99072 directly to the patient’s insurance company for each treatment.  CPT Code 99072 cannot be billed as a matter of course, the medical provider must be offering mask and have heightened procedures in place due to the PHE.  CPT code 99072 was approved in response to measures adopted by medical practices and health care organizations to stem the spread of the novel coronavirus (SARS-CoV-2), while safely providing patients with access to high-quality care during in-person interactions with health care professionals. The additional supplies and clinical staff time to perform safety protocols described by code 99072 allow for the provision…
Read More
Were You in an Accident While Visiting Florida?

Were You in an Accident While Visiting Florida?

Car Accident
Many people visit Florida each year for winter break to escape colder temperatures and enjoy the holidays in the sand and sun. Unfortunately, many people have their vacations disrupted due to a car accident or another accidental injury. These injuries can be costly and have long-term effects, and many people wonder - what do we do if we had an accident while visiting Florida? The answer is complicated. Florida is a no-fault state for auto accidents, which means crash victims must file claims with their own personal injury protection (PIP) coverage first. Only if they have higher damages and serious injuries can victims file a claim to seek compensation from the at-fault driver’s insurer. Not everyone visiting from out of state has PIP insurance, however, as only 12 states are…
Read More
Drunk Drivers Can Disrupt Your Thanksgiving Holiday

Drunk Drivers Can Disrupt Your Thanksgiving Holiday

Car Accident
Thanksgiving is viewed as the unofficial kickoff of the holiday season. Some people like to celebrate holidays with alcohol, which is their right. However, they do not have the legal right to drink and drive. Their illegal actions can place you and your family in danger. Roughly 36% of motor vehicle fatalities over the Thanksgiving weekend happen in accidents that are connected with alcohol consumption. Although authorities do their best to enforce DUI laws, they are largely powerless to stem the rising tide of drunk driving accidents. The risk of being involved in a drunk driving accident rises sharply over the entire Thanksgiving weekend. The night before Thanksgiving is often known as “Blackout Wednesday” because of a long tradition of binge drinking. This night coincides with one of the busiest…
Read More
Does a Business Owner Need To Be On Notice Of A Dangerous Condition?

Does a Business Owner Need To Be On Notice Of A Dangerous Condition?

personal injury
If you have injured yourself on the premises of another person or on a business’s property, you may be able to make a premises liability claim for your injuries and other losses. To successfully bring a slip/trip and fall claim, you must establish that the property owner, owed you a duty to exercise due care and that the owner breached this duty. You also must prove that the breach of the legal duty was the proximate cause of your injuries. The occurrence of an injury does not make the property owner liable.  Bringing the claim forward properly is a key component of a successful premise liability claim.  The Notice Requirement of Premises Liability Cases Not everyone is aware that a property owner must know or have reason to know of a…
Read More
What To Do If Your Property Sustains Water Damage

What To Do If Your Property Sustains Water Damage

property damage
Water Damage is generally covered under a homeowners insurance policy, but the way the claim is made and described has a significant affect on whether the insurance company accepts the claim.  In other words, water damage is typically covered, but flood damage is typically not covered.  If you approach your insurance company and tell them that you are making a claim related to water damage, but describe the damage as flood damage, your claim will likely be denied.  On the other hand, if you contact an attorney or a public adjuster and they determine that your water damage is water retention or wind retention damage, your insurance company is unlikely to deny your claim based upon a flood exclusion.  If you have water damage to your home: Discuss your potential…
Read More
What is an Anti-Concurrent Clause with a Homeowners Insurance Policy

What is an Anti-Concurrent Clause with a Homeowners Insurance Policy

property damage
An Anti-concurrent clause is a common clause within a homeowners insurance policy.  Although it is common it is also commonly misused by insurance companies to compartmentalize damages into a coverage exclusion.  Anti-concurrent clauses prohibit recovery when a covered peril and non-covered peril combine to cause damages.  For example, if your home is damaged by wind (covered) and flooding (non-covered) due to hurricane Ian, you may run into an anti-concurrent clause defense from your insurance company.  In this situation, your insurer will deny your claim regardless of the existing wind coverage.  You can get ahead of this issue by getting an attorney at the outset of your client.  Ideally before you make a recorded statement.  Public Adjusters are also helpful in classifying damages and avoiding this type of policy defense.  Be…
Read More
Is Water Damage Covered Under My Homeowners Insurance Policy?

Is Water Damage Covered Under My Homeowners Insurance Policy?

property damage
Damage from water may be covered under a standard homeowners insurance policy.  Damage from water and damage from flooding are commonly separate within a homeowners insurance policy, with flood damage being a common exclusion.  Flood damage coverage typically requires a separate election. FEMA defines flooding as: “A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (one of which is the policyholder’s) from: Overflow of inland or tidal waves; orUnusual and rapid accumulation or runoff of surface waters from any source; orMudflow; orA collapse of subsidence of land along the shore of a lake or similar body of water because of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical…
Read More
Is Wind Damage Covered Under Your Homeowners Insurance Policy?

Is Wind Damage Covered Under Your Homeowners Insurance Policy?

property damage
Wind Damage is typically covered by your Homeowners Insurance Policy.  You can confirm this by reviewing your policy to confirm that wind is noted as a covered peril, if your policy is “all-risk,” or if there is any explanation for windstorms.  If your policy covers, there are two primary types of protection to look for regarding your property: (1) dwelling coverage, which protects the structure of your home such as repairs to your home’s roof, windows, or siding; (2) personal property coverage, which assists with the cost of replacing any personal contents damaged by wind within your home’s structure.   Please keep in mind that all coverage is subject to limits.  If you have coverage for wind damage a deductible will typically apply.  A deductible is the amount you pay out…
Read More
What To Do If You Suspect Hurricane Ian Wind Damage

What To Do If You Suspect Hurricane Ian Wind Damage

property damage
Start by developing a plan, taking action and documenting your work: Immediately photograph any damages to your property.  If you were able to prepare your home by taking photos, gather “before and after” photos.Document and address any damages to your property.  Keep an eye out for potential sources for further damage as a result of wind hitting your property.  If temporary repairs would limit further damages, those repairs should be handled immediately to mitigate damages and avoid policy defenses.  File your claim quickly and keep track of the name and contact information of the insurance adjusters assigned to your claim.Consider hiring a public adjuster or engineer to review any windstorm damage. It is recommended you obtain a second opinion, as a public adjuster’s estimate may differ from the independent adjuster. An outside opinion could…
Read More

407.452.4918