Blog

At TWW, we want to help kids in our community pursue their dreams, including the dream to fly! ✈️ To do so, we launched a social media campaign to give away one seat in the National Flight Academy's Fly Like the Blues Cruise, Nov. 9-11, 2019. During the Cruise, student-pilots stay overnight aboar...

If you make a claim for benefits under your own insurance policy, you could be subject to an Examination Under Oath, often referred to as an EUO.  An EUO is a sworn statement given by someone who has made a claim due to fire, lightning, hurricane, or a car accident--just to name a few.  According...

lkjasdf TWW recently launched and completed a back-to-school giveaway campaign on Facebook asking all Escambia and Santa Rosa County teachers to send in their requests for up to $1,000 in needed school supplies for their students.  We know that too often teachers are left without all the necessa...

Your legal rights are important.  When we become aware of something that might affect your rights or those of someone you know, we want to share it with you.  Virginia College caused great financial harm to its students when it closed its doors in December, 2018.  Many students were unable to com...

With NOAA currently showing no tropical storms developing for the next five days, for those of us who live on the coast this is the perfect time to review your coverage and make sure you know what specific type of coverages you have, what exactly they cover, and—more importantly—what they do not ...

The 3M Combat Arms Earplug Products Liability Litigation is growing, as more injured victims continue to come forward and more attorneys have become involved.  Often, in complicated lawsuits like this, which involve a dangerous or defective product that affected large numbers of people, federal c...

Lobbyists for the insurance companies have been working hard.  Unfortunately, their efforts recently paid off.  In response to their extended efforts to push a new Assignment of Benefits (AOB) bill through, Gov. Desantis signed a bill that will go into effect today, July 1st, and will allow insur...

The 4th DCA recently issued an unfortunate ruling in favor of insurance companies.  The opinion hinders a contractor's ability to get insurance proceeds to make repairs.  This will, in turn, hinder your ability to have your home repaired after a storm, fire, or flood.  The case hinged on what is ...

Read In re: Amendments to the Florida Evidence Code, Case No. SC19-107 (May 23, 2019)  After a decades-long debate between use of the Fryestandard for the admission of expert testimony in Florida state courts and the more-stringent Daubert standard, the Florida Supreme Court had initially put th...

In the wake of Hurricane Michael, we have seen many policyholders asking about ordinance and law coverage.  Ordinance and law coverage is insurance coverage for loss caused by the enforcement of ordinances or laws regulating construction and repair of damaged buildings. As many of you know, build...

Did you know, in 2016, over 50,000 car accidents, and 233 deaths, were caused by distracted driving in Florida?  Unfortunately, as car accident attorneys, we see too many instances where texting while driving leads to serious injuries.  No message is so important that it cannot wait.  Yet, an acc...

When Universal Property and Casualty Insurance Company denied these policyholders' claim for damage to their home from a fire, the homeowners contacted us.  This Pensacola family had purchased homeowner's insurance from the company with the red elephant, Universal Property and Casualty Insurance ...

Insurance Companies Rarely Treat Injured Victims Fairly Why contact an attorney after a car accident?  Because the person who will decide how much compensation you deserve is almost always an insurance company, and insurance companies rarely treat folks fairly.  When you have medical expenses pi...

Some things are okay to do yourself.  Others you should let a professional handle.  If you're not comfortable handling it alone, and your future depends on the outcome, why risk it?  If you've been injured in a car accident and you don't know what you are entitled to recover, that's no time to DI...

As hurricane season approaches, it is important to know what coverage you have in place before a storm forms. When storms are heading towards land, most insurance companies stop selling new policies or won't allow coverage increases — or both.  That's why it's important to evaluate the insurance ...

A message from TWW attorney, Phillip Warren: Like many people, you may assume that you know what information is contained within your medical records, even though you've never seen them.  Each time you visit your doctor, you see the nurse write down your weight, blood pressure, and medications. ...

Read Harper v. Geico, 44 Fla. L. Weekly D618 (Fla. 2nd DCA, March 1, 2019). The Florida Second District Court of Appeals showed it is not afraid to uphold your rights as policyholders under the law.  Unfortunately, insurance companies often try to come up with many fine-print or other outlandish...

Read Kennedy v. First Protective Insurance Company d/b/a Frontline Insurance, Case No. 3D18-1993 (March 6, 2019). The Florida Third District Court of Appeals just stood up for your rights!  As attorneys who have dedicated twenty-plus years of our practice to protecting policyholders, never insur...

It appears Pensacola Representative, Alex Andrade, is listening more closely to the insurance company lobbyists than his own constituents in filing House Bill 751 which could take away your ability to sue your insurance company for bad faith. A recent investigative report from WFLA featured a Flo...

We do.  Are you still waiting for your insurance company to pay your Hurricane Michael claim?  Most people filed claims within days after Hurricane Michael's landfall on October 7, 2018.  We are getting calls now at our firm—five months after the storm—from many hurricane victims who still have n...

A message from TWW Attorney, Phillip Warren: Most clients have a limited understanding about the insurance products they purchase until they need to make a claim.  Since the majority of my legal practice is litigating insurance claims, I spend a lot of time educating clients about the insurance ...

Read: Eckols v. 21st Century Centennial Insurance Company, 2018 WL 6422088 (Fla. 5th DCA, 2018) They wrote it, so they know how to use it against you.  Insurance companies will often point to any fine print they can find in the policy that arguably lets them deny coverage. Thankfully, the Florid...

If you used dual-sided Combat Arms 3M Earplugs™ after 2003 and suffer from tinnitus or hearing loss, you may be entitled to compensation   TWW attorneys, Phillip Warren and Keith Weidner, relied on earplugs to protect their hearing when they served in the United States Marine Corps.  When...

Read State Farm v. Hanania, 2018 WL 6442020 (Fla. 1st DCA, December 10, 2018) A recent case out of the Florida First District Court of Appeals is proof: Insurance companies will often say just about anything to avoid paying claims. Unfortunately, many people do not know the law or their rights w...

Many homeowners have begun repairs from Hurricane Michael damage without having to pay anything up front. Instead, homeowners simply agree to sign an Assignment of Insurance Benefits giving the person making the repairs the right to go after the insurance company for payment.  Assigning insurance...