Recent News

July 18, 2019

Lessons from Hurricane Michael

When Hurricane Michael hit the Florida Panhandle with 160-mile-per-hour winds last October, it caused billions of dollars of damage and left hundreds of people homeless and hopeless. Now recognized as the third most intense Atlantic hurricane to ever make landfall in the U.S., Michael has given us much to think about. Although we aren’t expected to experience anything like Michael this year, it’s still well worth our time to reflect on lessons we can learn from last year’s storm. In this blog post, I’m going to suggest several takeaways from Hurricane Michael about personal safety, storm damage, and insurance claims. […]
July 5, 2019

Beware of New Florida Homeowners’ Insurance Policies That Restrict Assignment of Benefits

Insurance policies are not enjoyable reading material; they’re long, confusing, and mostly, boring. That’s why most people file their insurance documents somewhere and forget about them . . . until their property is damaged and they’re desperate for help. At Malik Law, we highly recommend you read through your policy and make sure you understand your coverage before disaster hits. This is especially important now, since Florida law has changed, and insurance companies can restrict policyholders from entering into assignment agreements with contractors to do repair work on their property. I explain a little about the new restrictive policies in […]
June 14, 2019

Preparing for the 2019 Florida Hurricane Season

The 2019 Hurricane Season officially began on June 1st, and so far, weather forecasters are predicting a “normal” season. While this sounds like good news, for those of us who live in Florida, the problem with “normal” is that it still means nine to fifteen named storms and at least two hurricanes with winds of 111 miles per hour or more. In fact, scientists caution us not to let our guard down, given the prediction of a relatively quiet season. Powerful winds, rain, and flooding can cause massive destruction during a “quiet season.” As the acting deputy administrator of the […]
April 10, 2019

Hurricane Michael’s Long-lasting Destruction: A Warning to Florida Residents

Six months have passed since Hurricane Michael hit the Florida Panhandle, causing 49 deaths and more than $5.5 billion in damage.  During that time, the roads have been cleared, the power has been restored, and FEMA has paid out $1.1 billion for response and recovery efforts.  However, the environment, homes and people who live there are still far from back to normal. A recent Washington Post article reports that the “lingering destruction” from Hurricane Michael has, in fact, made the people living in the affected Panhandle area feel forsaken. The government has not passed a major disaster-relief supplemental-funding bill for […]
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 […]
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 […]