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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...

It is astonishing to see how quickly winds of 155 mph and storm surge from Hurricane Michael can damage buildings and structures.  Many of you may have properties or know people in the Panama City and Mexico Beach area who have been suffered damage to their property from the storm.  One of the fi...

Hurricane Michael was the most intense hurricane to strike the United States since Andrew in 1992.  It was also the strongest to ever strike Florida, crashing into the panhandle at 155 mph and tearing a swath through Panama City and Mexico Beach on October 10, 2018.  In the wake of a storm as des...

A lot of history resides at the corner of Barrancas Avenue and Main Street.  The Spearman Brewing Company began operations there in 1935, shortly after the legalization of beer in 1933. When Guy Spearman settled in Pensacola in 1929, he quickly began establishing roots by creating the Crystal ...

What if an insurance company told you that you could not get your long-term disability benefits because you did not “exhaust your administrative remedies?”  Do you even know what that means?  Neither did our client.  Thankfully, he did know to contact Stephanie Taylor, who has been helping people...

Read 5th DCA opinion prohibiting mortgage-holder signature requirement for Assignment of Benefits here. Read 4th DCA opinion allowing mortgage-holder signature requirement for Assignment of Benefits here. Last year the Florida Fifth District Court of Appeals rejected an argument by the insuranc...

We are incredibly proud of these two!  TWW has two of only three attorneys in Pensacola to be designated by their peers as “Super Lawyers” in Insurance Coverage. Congratulations Stephanie Taylor and Keith Weidner.  And, many thanks to The Pulse for sharing this super news!   The Pulse - Super Ne...

Has the other driver's insurance company offered to pay you policy limits? DO NOT SETTLE until you learn what other coverages may apply. TWW attorney, Keith Weidner, here discusses multiple policies that might provide coverage, that you may not be aware of. By settling for one policy limit, you m...

We've got some Super Lawyers on our team. Congratulations to TWW attorneys, Stephanie Taylor and Keith Weidner, who were designated by their peers as Super Lawyers, an achievement only 1% of Florida lawyers attain, in Insurance Coverage for 2018.  Check it out! Stephanie Taylor and Keith Weidner...

In 2017, Florida had 766 boating accidents, 52 more accidents than in 2016.  With its release of these 2017 boating statistics, the Florida Fish and Wildlife Conservation Commission (FWC) encourages boaters to focus on simple, effective steps that make boating safer.

If you sustain damage to your home, whether you believe it is covered under your policy or not, you should report the claim immediately to your insurance company. If repairs are made before the insurance company inspects the property, the insurance company might cry foul.

“The palest ink is better than the best memory.”  Have you ever heard that old Chinese proverb?  It means a written record is usually considered to be far more accurate than a memory.  As soon as you file an insurance claim, the insurance company begins putting everything in ink.  They create...