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2021 is a year that will be remembered by all of us for several reasons. Along with the Covid-19 pandemic and social/political unrest, those of us in Florida also experienced yet another unusually active Atlantic hurricane season. In fact, experts tell us that the 2021 hurricane season may not have been unusual. Instead, it may be the new norm. For Florida property owners, understanding the threats posed by the hurricane season, as well as how to ensure that a hurricane damage claim is paid in full and without delay, is critical to protecting your family and your financial investment. At […]

Whether you purchased and insurance policy for your home, your vehicle, or your business, you did so to protect your investment in the event of damage or loss. After paying your premiums as required, you expect your insurance company to compensate you according to the terms of your policy if you file a claim. Unfortunately, delays, denials, and underpayments of insurance claims are all too common. At Malik Law, we understand how stressful it can be to try and navigate the insurance claims process while also dealing with the practical ramifications of the damage or loss that prompted that claim. […]

Florida’s homeowners enjoy beautiful weather most of the year; however, during the Atlantic hurricane season homeowners also brace for powerful and potentially destructive storms. If your home or property suffered damage during one of these storms, you understandably expect your homeowner’s insurance company to reimburse you for the full extent of your losses. Sometimes, however, that does not happen. If your storm damage insurance claim is underpaid, there are steps you should take to ensure that the claim is paid in full. Why Might Your Storm Damage Insurance Claim Be Underpaid? When you pay your homeowner’s insurance premiums you do […]

When you purchase an insurance policy and pay your premiums on time you do so with the expectation that if you ever need to file a claim will be paid without dispute. Remember, however, that you remember your insurance company is in the business of making a profit. Consequently, they will often look for a reason to deny, delay, or underpay a claim.   Problems You Might Encounter When Trying to Settle an Insurance Claim After filing an insurance claim, you could encounter a variety of problems with your insurer that cause your claim to be denied, delayed, or underpaid, […]

On August 24, 2021, Florida attorney Imran Malik of Malik Law was interviewed by Dawood Bedrosian on the extremely popular Real Sense Now podcast. Attorney Malik focuses his law practice on helping property owners who have had an insurance claim denied, delayed, or underpaid. With Florida residents holding their collective breaths at the halfway point of the 2021 Atlantic hurricane season, it was a perfect time to discuss insurance premiums and get some helpful insurance claim advice from an experienced insurance claims lawyer.   Premium Increases Bedrosian began the interview with a discussion about the dramatic increase in premiums faced […]

On July 25, 2021, the Orlando Sentinel warned us that a low-pressure system near the Florida-Georgia coast could become a tropical depression and the tropical depression could become a tropical storm, which could develop into a hurricane. The next day, the National Hurricane Center in Miami reported that it was becoming less likely that a tropical depression would develop, but conditions should still be monitored because heavy rainfall and strong winds could occur in local areas. Warnings like this and ones that are far more dire are common in Florida during Hurricane Season. So common, in fact, that many of […]

Because we enjoy warm weather throughout the year, Florida residents can enjoy their pools during most months. While the pools require ongoing maintenance and come with specific responsibilities to ensure safety, the hours of enjoyment they provide generally outweigh the disadvantages. However, when hurricanes and other tropical storms are headed toward Florida, property owners with pools face additional challenges. In addition to having to prepare their homes for the storm, they also have to prepare and protect their pools. At Malik Law, we have seen the destruction a hurricane can cause. We have also seen how frequently insurance companies deny […]

If you live in Florida, you’re probably accustomed to preparing for hurricane season during the spring months. The 2021 hurricane season, however, presents unique challenges for Florida homeowners, both because it is expected to include above-average activity and because of the Covid-19 pandemic. Preparing now is the key to protecting your property and your loved ones.   What Are the Predictions for the 2021 Atlantic Hurricane Season? The 2020 Atlantic hurricane season was one for the record books. With 30 named storms, the 2020 season took the number one spot for the most ever recorded and for requiring authorities to […]

Each year, about one in 20 insured homes has an insurance claim for damage, with roughly one in 50 filing a claim based on water damage or freezing, according to the Insurance Information Institute. Florida residents are especially susceptible to property damage caused by the destructive storms that blow through the state during hurricane season each year. When an insurance company fails to pay a claim in full and on time, it can make recovering from a storm even more difficult. Knowing when to hire a Florida insurance claim attorney can be the key to a quicker recovery.   When […]

Purchasing car insurance is not just a smart way to protect yourself and your vehicle but is also a legal requirement in most states. Although some people manage to get through an entire lifetime without ever making a claim against their car insurance, most people will eventually file a car accident insurance claim. If you were recently involved in a car accident, you are likely dealing with physical and/or emotional injuries. Trying to navigate the often complex task of filing a claim with your insurance company can add unnecessary stress. Knowing what steps you need to take to successfully file […]