May 28, 2019

Florida Storm Damage During Hurricane Season 2019

According to the National Oceanic and Atmospheric Administration, Floridians can expect an average hurricane season this year. Compared to the 2017 and 2018 seasons, with major hurricanes taking hundreds of lives and causing billions of dollars in damage, average is good.  However, when we’re talking about hurricane season, average still means major losses and damage. An average hurricane season, which lasts from June 1 to November 30, has 12 named storms, six hurricanes, and three major hurricanes.  The predictions for this year are slightly above average, including 14 named storms, seven of which are hurricanes, with three of those being […]
May 8, 2019

What to Do When Your Florida Home Insurance Claim is Denied

No one wants to think their insurance company will refuse to pay for damage to their property from fire, wind, or water, but all too often people in Florida are dismayed when they find out that is the case. With hurricane season almost here, now is a good time to review what to do in case your Florida home insurance claim is denied.   Review Your Claim and Your Florida Homeowners Policy When communicating with insurance company representatives, knowledge is power.  So before you contact your insurance company to question, complain, and dispute their denial, thoroughly re-read your claim and […]
April 26, 2019

Rain Water Damage in Florida

The best time to review your Florida homeowners’ policy is now – before Hurricane Season 2019 begins.  Your coverage for storm damage could be a lot more complicated than you think, and you don’t want to be caught off guard if your property is damaged during a tropical storm. The exclusions and limitations for water damage from rain can be very confusing, leaving homeowners feeling shortchanged and cheated when claims they believe are legitimate are denied. To help you prepare for another Hurricane Season, we’re going to address the issue of why Florida rain damage claims are denied and what […]
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 […]
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 […]
June 13, 2018

Do I Need Flood Insurance for My Florida Home?

With the devastation of Hurricane Irma still fresh in our minds, many of us are probably wondering if we should purchase flood insurance before we get any strong tropical storms this year.  Our regular homeowners’ policies do not cover damage from flooding (water that is rising from the ground), even it happens because of a hurricane or heavy rainfall, so investigating the costs and benefits of flood insurance is certainly worthwhile.   Why Have Flood Insurance According to FEMA, flooding is the most common natural disaster in the U.S. causing millions of dollars in damage each year. The damage from […]
May 11, 2018

The 2018 Orlando Tropical Storm Season

Hurricane Season begins in a few short weeks, and the good news is that researchers are predicting fewer major storms than last year.  The bad news is that they are still predicting a greater number of storms than average, including 13 named storms, six hurricanes and two major hurricanes of category 3 or higher. Whether or not these strong storms will hit Central Florida and Orlando is unknown.  However, even unnamed tropical storms can damage our homes and other property, and the odds that at least one major storm will cause havoc and damage in our area are pretty high.  […]
December 15, 2017

Florida Hurricane Irma Claims

The latest Hurricane Irma Claims Data from the Florida Office of Insurance Regulation show that so far, 853,356 damage claims have been made across Florida, with insured losses totaling more than $6 billion.  According to insurance companies, almost 75% of the claims filed have been closed. If you’re one of those Florida property owners whose claim has not yet been closed satisfactorily or who has not yet filed a claim, help is available.  At Malik Law, we’re working overtime to help clients get compensated fairly for damages to their property from Hurricane Irma. Insurance Claim Attorneys Can Help Filing a […]