Blog

If you've been in an accident, it's easy to get lost in the post-injury details.  Where do you turn?  What happens next? Should you hire an attorney?  While dealing with the aftermath of an accident in Pensacola can be challenging, hiring a personal injury attorney is the best option and will hel...

This is a common tactic we have seen insurance companies take.  They issue a small initial payment, that is woefully inadequate.  The policyholder sends proof that the damages are much greater and demands appraisal—a less formal, extradited process where a neutral party determines the amount in d...

A traumatic brain injury (TBI) is a painful, devastating personal injury that can happen to anyone, any time. People who have experienced a traumatic brain injury know how frightening the situation can be. According to the Centers for Disease Control and Prevention (CDC), TBIs account for about 3...

If you identify as a clumsy person, you're not alone.  Many of us seem to find a way to slip, trip, or fall regularly.  Even when there are no hazards present. In daily life, clumsiness represents little more than a mild inconvenience.  When it comes to a personal injury case, though, things get ...

After an auto accident, one of the first steps toward securing a fair settlement is to acquire evidence of the other party's negligence in order to establish liability.  However, establishing liability of the other party is not always simple. In this post, we'll discuss the definition of "legal l...

2022 and 2023 were years of sweeping change in Florida property insurance law.  Many changes touted as an effort to lower premiums and ease the insurance crisis actually resulted in numerous protections for insurance companies and hurdles to holding them accountable for paying claims timely and i...

Social media: it's one of the most pervasive fixtures of our society.  Today, social media has more than 3.5 billion users worldwide, up double digits year-over-year.  That's a massive number, and it just goes to show how ingrained in our everyday lives it's really become. While social media can...

If you've been in a car accident, you're probably wondering what happens next.  It can be overwhelming to negotiate an auto accident settlement with your insurance company.  Especially as you try to recover from your injuries. Unfortunately, insurance companies don't make this process any easier...

Each year, thousands of personal injury lawsuits are filed throughout Florida.  While car accidents are the most common type of personal injury lawsuits filed, the Centers for Disease Control and Prevention (CDC) reports there are about 17,000 slip and fall accidents annually.  While not every pe...

If you're pursuing a personal injury suit, you're probably wondering how long it will take to settle your case.  You're not alone in this.  Anyone filing an injury claim wants to get the process over (and get back to normal life) as quickly as possible. While there's no set timeline for case res...

Nobody wants to be in a car accident.  The experience can be especially traumatic, though, if you're the passenger rather than the driver.  Not only do you have no control over the circumstances of the accident, but it's challenging to know what to do after the accident happens. Don't worry, tho...

As insurance attorneys who have been helping homeowners with their hurricane insurance claims for decades, we are always on the lookout for opinions from the courts that involve hurricane claims.  In this case, sadly, the policyholders did not put forth a reliable expert to prove their wind damag...

Since 2008, Inweekly has recognized the under 40-year-olds in our community whom their peers, clients, and bosses see as up-and-coming leaders in their professions and the greater Pensacola area. InWeekly has celebrated more than 600 men and women being stars.  This year, TWWH attorney, Shelby Sa...

The jury delivered justice on Friday, January 26, 2024 for our client who was significantly injured in a rear-end collision. Although the defendant driver admitted he was negligent in causing the crash, his insurance company refused to take full responsibility. The medical evidence overwhelmingly...

If FIGA owes you $100,000, they should not send you a $50,000 check that says “full and final payment.”  As we have explained here before, cashing that check would allow FIGA to argue you accepted the $50,000 (as the check states) in full and final payment on the claim.  This legal principle is k...

When insurance companies try to hide critical evidence, TWWH fights back.  Many Florida homeowners have experienced this: Your home is damaged by a fire, water loss, or storm but the insurance company denies, claiming the damage is pre-existing (not covered)—i.e., wear and tear, deterioration, fa...

If you think State Farm will treat you like a good neighbor, think again and read on.  The takeaway from this tragic story is to always be aware of your insurance coverages and limits, make sure copies of your declarations page(s) and policies are readily available to you and loved ones, and neve...

November 2, 2023 was a good day for Florida policyholders.  The Florida Supreme Court ruled in favor of a passenger who was tragically injured in a car accident by refusing the at-fault insurer—GEICO's—attempt to claim an unfair offset.  As is common in many car accidents, multiple insurance comp...

      Under Florida law, insurance carriers are responsible for paying the cost required to match materials when repairs are made.  Meaning, to the extent possible, your insurer must pay for repairs and replacements necessary to maintain uniformity so that the repairs don't look like...

As insurance attorneys who have been helping policyholders with their property damage claims for decades, we have seen insurance companies demand an examination under oath (“EUO”) many times.  EUOs are usually requested only in cases where the insurer suspects fraud or some sort of illicit report...

Five Florida property insurance companies collapsed (went bankrupt) in the wake of Hurricane Ian in 2022, with United Property & Casualty Insurance Company following suit in 2023.  In Florida, when insurance companies fail, the Florida Insurance Guaranty Association (FIGA) steps into the shoes of...

If People's Trust selected its Rapid Response Team to repair your Hurricane Ian or other damage, this means People's Trust has created a new contract with you, in place of the insurance policy—one in which you have become obligated to pay People's Trust your deductible and People's Trust has beco...

In the wake of Hurricane Ian and the resulting collapse of numerous insurance companies, including United Property and Casualty Insurance Co. (“UPC”) in February 2023, we've seen FIGA begin to deploy the same bullying and delay tactics as UPC did when it was wrongfully adjusting claims.  Recently...

For UPC policyholders, the strikes keep coming.  On February 27, 2023 United Property and Casualty Insurance Co. (“UPC”) filed for bankruptcy, leaving thousands of policyholders—many with extensive damage from Hurricane Ian—scrambling to get their claims paid as well as secure insurance from anot...

From our decades of experience helping homeowners with their fire claims, we have learned from experience over the years that sometimes your insurance company can cause you as much (if not more) grief and anguish than the fire itself.  Processing your claim without unnecessary delay is required b...