After the death of her husband, our client retained Stephanie Taylor when the “accidental death” insurance policy, purchased through her husband’s employer, refused to pay benefits.  Her husband was traveling to work in Alabama at the time of his death.  Relative to health issues, he was taking medications prescribed by his treating physicians.  The insurance company asserted that the toxicology report revealed that our client’s husband had prescription medication in his system at the time of this death in an amount that the insurance company claimed was higher than would be expected from his regular prescription doses.  As such, the carrier asserted that the policy’s proceeds were not payable under this circumstance and further that his death was deemed not “accidental.”

Continue Reading

As a result of Hurricane Dennis, our client lost her entire residence in Franklin County, Florida.  The loss was caused by both flood and wind.  She promptly notified her wind and flood carrier along with evidence of the damage to her home as required by her policies.  Her wind insurance carrier denied payment of benefits saying that all of the damage was attributed to flood rather than windstorm.  Even though Franklin County experienced the northeastern side of the eye wall, known to be where the heaviest winds of any major storm are located, the carrier paid $0 towards her losses.

Continue Reading