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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...

Has your insurance company demanded an appraisal of your loss from Hurricane Michael?  Many homeowners in the Mexico Beach and Panama City area are dealing with their insurance companies now over policy provisions and damage assessments.  Often, their insurance company will ask them to produce hu...

Your home is your most important asset. Many homeowners in Mexico Beach and the Panama Beach City area who were impacted by Hurricane Michael are reading their policies trying to understand why their insurance company has offered to pay an amount that will not come close to repairing their homes or replacing their lost personal items. It's important to understand the different types of insurance to make sure you have the best coverage for your home before something happens.

If any of you are dealing with your insurance company for damage caused to your home by Hurricane Irma or Hurricane Michael, the following tips may be helpful when filing and settling your insurance claim. Remember, you bought insurance to take care of emergencies, and you should be satisfied wit...

One of the things that often confuses people about UM coverage is the difference between stacking UM coverage and non-stacking UM coverage.  Florida law requires insurance companies to offer stacking UM coverage.  This coverage is so important that Florida law also requires that you sign a docume...

If you suffered damage from Hurricane Irma or Hurricane Michael and are still battling with your insurance company to recover fully on your property damage claim, here is how we can help.  As a result of Hurricane Dennis, our client lost her entire residence in Franklin County, Florida.  The loss...

Over the years, representing car accident victims against their insurance companies, we have had to tell too many people that there is no insurance to compensate them for their injuries caused by careless drivers who are under-insured.  Inevitably, they say “but my insurance agent told me I had f...

Unfortunately, after a disaster like Hurricane Michael, many service providers will flock to the area trying to pick up as much work as possible while it is available.  Some will be legitimate, licensed contractors.  Others will not.  Beware of fly-by-night repair businesses.  Some service provid...

Read the full opinion here: Newton v. Caterpillar Financial Services Corporation, et al., Case No. SC17-67 (Supreme Court of Florida, September 27, 2018)  The Florida Supreme Court is not a big fan of front loaders!  The court recently issued an opinion finding Caterpillar could be vicariously l...

In a tight, 4-3 decision, the Supreme Court of Florida recently settled the long-standing debate of whether Florida state courts would continue to apply the Frye standard Florida has been using for decades to determine the admissibility of expert witness testimony, or convert to the Daubert stand...

For anyone affected by Hurricane Michael, please use caution and good judgment when responding to direct contacts from those who want to offer you services right now (contractors, public adjusters, insurance representatives, even attorneys).

Click the link below for a free download of multiple resources for Hurricane Michael victims.  FEMA assistance, basic supplies, help for seniors, disaster recovery loans, help for Veterans, and more.  Information, contact details, and clickable links for each resource are included.  This is a sup...

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 m...

DON'T MAKE THE MISTAKE OF NOT SEEKING HELP When storms as devastating as Hurricane Michael strike our coastlines, insurance companies immediately employ thousands of adjusters and other professionals to handle the thousands of claims that will soon flood in from the Panama City and Mexico Beach ...

With destruction and devastation rampant in the wake of Hurricane Michael in the Panama City and Mexico Beach area, many home and property owners will begin taking the necessary steps to assess and calculate damage, advise their insurance companies of the loss, and slowly begin repairs.  In addit...