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02Nov 2022 by Pat Geddie
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…
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26Oct 2022 by Pat Geddie
Flood Damage vs. Storm/Wind Driven Rain

Flood Damage vs. Storm/Wind Driven Rain

property damage
The claims process is not simple. In fact, its purposely complicated and designed by insurance companies that thrive off of the complications. If your home was damaged by Hurricane Ian and you approach your insurance company without the assistance of an attorney, the insurance company will try and walk you into a policy exclusion and subsequent denial. It is what they do BEST! One of the most common pitfalls is the difference between Flood Damage and Storm Driven Rain. Flood Damage is not covered under a typical homeowners policy. Storm driven rain or wind-driven rain is not in the same damage category as flood damage. Storm and Wind-driven rain damage, regardless of the cause, is a covered peril like wind or lightning.  Storm and Wind Driven rain can cause an…
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25Oct 2022 by Pat Geddie
Drivers Hit More Pedestrians on Halloween

Drivers Hit More Pedestrians on Halloween

personal injury
Halloween is one of the most dangerous nights of the year for pedestrians. Not only are there more pedestrians out that night, but many of them are small children, possibly wearing dark costumes. Add to this the fact that many drivers are under the influence, and it is a deadly mix for pedestrians. A 2019 study from the National Highway Transportation Safety Administration found that pedestrian fatalities were 43% higher on Halloween night. While walking on Halloween night is dangerous for everyone, it is particularly deadly for children aged four to eight, who have a fatality rate ten times an average day. The most dangerous time on Halloween night is dusk, between 6:00 - 7:00 PM. This time is when the most children are out, and drivers are adjusting to…
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25Oct 2022 by Pat Geddie
How Florida Statute 487.147 Affects Hurricane Ian Claims

How Florida Statute 487.147 Affects Hurricane Ian Claims

property damage attorney, property damage
Florida Statute 487.147 is known as anti-policyholder legislation, but in times like these, its provisions are necessary to prevent nefarious activity. After all, it did not take long for SB 76 to be excised by Chief US District Justice Mark Walker. Judge Walker recently heard arguments that claim the legislation prevents contractors and public adjusters from advertising to promote and encourage property owners to file a homeowner insurance claim is a violation of the first amendment. https://loom.ly/Fa3JdBU Judge Walker ruled in favor of the Plaintiff and issued an injunction stopping Florida Officials from enforcing part of the bill. The overall issue was whether the legislation's ban on written or electronic communication encouraging homeowners to contact a roofer or public adjuster for the purposes of filing an insurance claim violated freedom…
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20Oct 2022 by Pat Geddie
Homeowner Insurance Claims

Homeowner Insurance Claims

homeowners insurance claims
Wind Damage High velocity winds can cause permanent damage to your property.  Common wind damage claims involve roofs blowing off, tress falling on your property, fences being blown down, shingles/tiles being lifted and window leaks.  In regard to Hurricane Ian, Cayo Costa, Florida, was hit with maximum sustained winds of 150 mph.  This type of wind speed can cause damages that aren't realized upon the initial assessment of your property.  Damage caused by wind is covered under most homeowners insurance policies, but the terminology used when making a claim can trigger policy exclusions and conditions.  Quattrochi, Torres and Taormina is currently handling numerous Hurricane Ian wind damage claims in an effort to return policyholders' homes to their pre-hurricane condition.  Don't get caught up in the claims process, let Quattrochi, Torres…
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04Oct 2022 by Pat Geddie
Serious Injuries from Truck Crashes

Serious Injuries from Truck Crashes

personal injury
Trucks can weigh up to 80,000 pounds fully loaded. The average passenger car weighs around 3,000 pounds. The disparity in size between the two vehicles means that there is a large amount of force involved in a crash. Chances are that the driver of the car and their passengers will suffer some form of serious injury. Truck accident injuries could include: Broken bonesCuts and lacerationsOrgan damageInternal injuriesTraumatic brain injuriesBurnsSpinal cord injuries The serious injuries involved in a truck crash mean that financial compensation in these accidents may be higher. In any new truck accident settlement, you are paid for the specific and unique damages that you suffer personally. Each truck accident victim has their own injuries depending on their own situation. Truck accident cases can be harder fought because of…
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30Sep 2022 by Pat Geddie
What is a Lis Pendens?

What is a Lis Pendens?

Real Estate Law
A Lis Pendens, or Notice of Lis Pendens, specifically means “Notice of Suit Pending” and it means that there is a lawsuit pending that affects a particular piece of real estate.  A Lis Pendens, or LP, is usually filed in the lawsuit (in the docket) and then recorded in the Official Records of the county where the property is located.  It is recorded to give notice to any prospective purchaser that the property is involved in a lawsuit.  It is usually a Title Company that finds an LP, because they are insuring the title to the property. If there is a lis pendens recorded and it has your name on it, it usually means that some sort of lawsuit has been filed that involves property that you own or have…
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30Sep 2022 by Pat Geddie
What is a Partition?

What is a Partition?

Real Estate Law
A partition is a lawsuit that can be filed by any of the owners of real estate.  The purpose of the lawsuit is to ask the judge to sell the property and split the proceeds of the sale between the owners.  Any of the owners can start the lawsuit, and if you have been named as a defendant you should respond to the suit to make sure you protect your interests.  If you are named as a defendant you will likely receive a summons, which is delivered by a process server, and you would have 20 days to respond.  If you have been served, call our real attorney Joe Taormina to discuss your options.  Some owners might get more money than others.  That is because the court considers who paid…
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06Sep 2022 by Pat Geddie
Settlement Alert

Settlement Alert

Car Accident
Settlement Alert: $3,300,000.00 Settlement for a Volusia County Disputed Liability Motor Vehicle Accident. What happened: Our client was T-Boned by a Commercial Vehicle after making a U-Turn. Our client was thrown from the vehicle and spent almost 30 days in a Coma. As expected, her recovery is ongoing and will continue for the rest of her life. What We Learned: Hiring a property damage/accident reconstruction expert immediately after the accident, before knowing the policy limits and before knowing whether the other party accepts liability is imperative to gaining the presuit upperhand against a multi billion dollar insurance company. I understand that this cannot be done on every case. Some attorneys don't have the means to take this step and for certain cases it is NOT necessary. On this case, it…
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06Sep 2022 by Pat Geddie
Common Back-to-School Accidents and Injuries

Common Back-to-School Accidents and Injuries

personal injury
Children going back to school means an increased potential for injuries. Since children live active lifestyles and their bodies are smaller, they may be more vulnerable to suffering serious injuries. Here are four common back-to-school injuries. Playground Accidents The most common playground accidents are Falls. Roughly 20,000 children each year will suffer playground injuries that require medical treatment. Children may suffer broken bones and head injuries when they fall on a poorly maintained playground. School Bus Accidents School bus accidents can be serious because there are no safety mechanisms or restraints on the bus itself to prevent injury. Children may be injured on the bus itself, or they may be struck while crossing the street to board or exit the bus. Pedestrian Accidents In general, the number of pedestrian accidents…
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