Insurance is important. Insurance agents making certain coverage is as good as it gets play a vital role making insurance work. Admittedly, most of us avoid taking enough time with our insurance agents and probably give off too much concern about the cost.…

An ensuing loss clause within an insurance policy operates to preserve coverage when a loss excluded under a policy results in a subsequent or “ensuing” loss that otherwise would be covered.…

Back in June 2018, I blogged about the New Jersey Insurance Fair Conduct Act passing the Senate and heading to the Assembly. Unfortunately, many roadblocks (insurance company lobbyists) prevented the Bill from going forward by using propaganda to spread lies about the detrimental effect of passing it. For the foreseeable future, New Jersey will continue to be one of the most difficult states in the country to prove bad faith given their court’s “fairly debatable”…

I recently defeated an insurance carrier’s Motion for Summary Judgment in Maryland pertaining to an insured’s alleged failure to comply with policy conditions—specifically, failure to file a timely Proof of Loss.…

My husband and I moved from New York City to Florida. Almost every summer we traveled back to New York for wedding season and this summer was no different for us. Just as the wedding season is getting into full swing, so are event cancellations due to COVID-19 pandemic. Last weekend alone, I received several calls from friends and family cancelling their weddings and baby showers until the COVID-19 outbreak has subsided. The novel coronavirus…

(Note: This guest blog is by Kathryn Ray, a Summer Law Clerk in our Tampa office) When sustaining property or casualty damage and after filing a claim with an insurance company, the insurance company may then request a proof of loss. A proof of loss is defined as “a policyholder’s statement of the amount of money being requested, signed to and sworn to by the policyholder with documentation to support the amount being requested.”1 In…