News

March 6, 2019

Why Was My Water Damage Claim Denied?

Most people assume the damage to their homes caused by water from storms, leaks, burst pipes, or sewer backup will be covered by their homeowners’ insurance policies. They are then very upset and disappointed when their water damage claim gets denied. At Malik Law, we generally suggest that you become familiar with your insurance policy, but we totally understand how anyone can get confused by the difficult language and ambiguities in their insurance documents. Given this situation, we thought it would be worthwhile to clarify the reasons why many water damage claims get denied.  After all, knowledge is power, and […]
February 20, 2019

Water Damage 14-Day Exclusion in Florida Homeowner Policies

Water damage in homes is a leading cause of homeowners’ insurance claims, second only to wind and hail damage.  In fact, in Florida the frequency of non-flood water damage claims has increased 46% since 2010. As a result, the insurance industry has found new ways to limit and deny coverage for water damage.  One tactic has been to impose a time limit on covered water damage.  That is, coverage is now typically limited to “sudden and accidental” damage, and any damage that occurs over a period of time greater than 14 days is excluded.   Problems for Florida Policyholders This […]
January 15, 2019

Do I Need an Attorney to Handle My Fire Damage Claim?

When a fire damages your home, taking the steps necessary to submit an insurance claim, work out issues with your insurance company, and get repair work done can be very difficult.  However, by following the steps outlined in this blog post and consulting with an experienced fire damage attorney if you have any problems, you should be able to recover payment from your insurance company and get your home repaired satisfactorily.   Working with Your Insurance Company After a fire, when your family’s safety is ensured, one of the first things you should do is contact your insurance company. They […]
January 3, 2019

Do I Need an Insurance Claim Attorney?

When your home has been damaged by a storm, fire, water or other disaster, you want to get the damage repaired as soon as possible so you can get on with your life.  However, at this time of need, many people find that instead of helping them take care of the business involved in getting repair work done as efficiently as possible, their insurance companies seem to slow them down or even prevent their progress. If you’re frustrated by the way your insurance company is handling a claim for damage to your home or want expert advice before filing a […]
December 18, 2018

Understaffing and Abuse in Nursing Homes

Nursing homes are responsible for providing care for patients and preventing injuries. Unfortunately, however, almost 90 percent of nursing homes are understaffed, a condition that often leads to neglect and abuse of vulnerable patients. A 2018 analysis of payroll data submitted to Medicare shows that most nursing homes actually had far fewer nurses and other staff available for caring for patients than they had ever reported to the government.  In addition, there are significant changes in the number of care-taking staff available each day, with weekends being particularly low.  On these low days, staff members have to care for twice […]
October 17, 2018

Be Prepared to File a Storm Damage Insurance Claim

Even if you don’t live in the direct path of the latest hurricane, you’re sure to feel the effects of powerful tropical storms within the near future.  With hurricanes occurring more frequently and with greater ferocity than ever before, it makes sense to be prepared to protect your family and your home from danger. Most of us already know the drill about bottled water, flashlights, batteries, window protection, and pools, but many people I talk with have not prepared adequately for dealing with their insurance companies after storm damage occurs.  Once a storm has hit and damaged your property, it’s […]
September 18, 2018

Do I Need a Personal Injury Attorney?

If you or a family member has been injured due to someone else’s careless behavior – whether in a car accident, a hospital, a place of business, or in some other setting – you may be wondering if you can sue the negligent party.  You might have many important questions about your situation:  Do you have a legitimate case?  Can you get financial compensation for your injuries?  Do you need an attorney in order to sue someone?  Whom can you call for help? If this sounds like you, this blog post could be helpful, but talking with an experienced personal […]
August 21, 2018

Your Rights When Filing a Florida Homeowner’s Insurance Claim

Many Florida homeowners are unsure what their rights are as homeowner’s insurance policyholders and feel insecure when dealing with their insurance companies after experiencing a loss.  This should not be the case.  As an insured homeowner, you have certain rights under the law. At Malik Law, we believe knowledge is power.  Knowing your rights when filing a Florida homeowner’s insurance claim can make the claims process less confusing and intimidating.  In addition, getting help with your claim from an experienced insurance claim attorney can give you the power to take control of the situation and get the results you want. […]
July 23, 2018

Florida Pool Injuries and Premises Liability

While our Florida pools are a great place to cool down, have fun, and relax, they can be very dangerous, especially if they are not well maintained or supervised.  Thousands of people get injured each year in Florida, either in or around a pool, and some of the injuries can be very serious. When pool injuries are the result of negligence on the part of the person or organization responsible for maintaining the pool, hurt individuals may be able to recover damages for their injuries by filing a Florida personal injury claim.  In fact, with help from an experienced premises […]
July 10, 2018

Malik Law Wins Big Against Citizens Insurance on Appraisal Issue

In what is a landmark ruling, Malik Law recently prevailed against Citizens Insurance regarding their new appraisal demands on water remediation claims. Respected Judge Flury in Leon County agreed with Plaintiff’s argument that appraisal cannot be applicable to emergency service measures provided as a result of a sudden water loss. The argument has morphed into an extremely technical and complicated arguing regarding policy language in various parts of Citizens policy. Fortunately, Judge Flury understood the merits of the argument very well and issued an Order denying Defendant’s Motion to Compel Appraisal. Another important factor is Leon County is where Citizens […]