Posted September 1st, 2010by Alexander HollandNo Comments »
I have previously written rather extensively about insurance coverage for wind damage to roofs. You can see my articles on roof claims by clicking here:
When litigating roof claims it is important to document the wind damage. Wind damage is somewhat easy to see if you know what to look for.
Shingles are manufactured with a sealing strip on the bottom of the shingle which seals them to the shingle below. Shingles in good working order should be solidly sealed to the shingle below. You should not be able to lift the shingles easily.
I’ve attached a video of a recent case which readily shows wind damage to a shingle roof. You will note that the shingles are easily lifted, and that there is debris blown in between the shingles. There’s only one way for debris to get between shingles and that is from wind. You can view the video below.
Posted August 30th, 2010by George LewisNo Comments »
Finding the Best Car Insurance | best auto insurance company To get the best car insurance for your needs, it definitely pays to shop around – the type of insurance you buy is as important a decision as the actual car. read more…
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Posted August 30th, 2010by Amelie WeedonNo Comments »
With the recent passage of health care, parents should now be glad that their children will receive coverage even if there’s a pre-existing health condition involved. This is probably one of the few aspects in the reform the public is in favor to. Unfortunately, it seems that the legal language may not be strong enough to implement what is supposed to be the real principle of the children’s coverage.
Lawyers of several health insurance companies interpreted the legislation and they said that it only requires them to cover pre-existing conditions for children whom are already insured. The
Posted August 27th, 2010by Alexander HollandNo Comments »
I have previously written on what is and is not “flood” damage. Now, another chapter in that same story.
My client’s home was inundated with water when the fire hydrant at the front of his property literally blew off. The ensuing deluge undermined the foundation of his house, and penetrated his frame walls, and soaked his garage.
He submitted the claim to his homeowners insurer which promptly denied the claim based on exclusions for “flood,” and/or water which “backs up from a sewer, drain or sump.” Absurd. Neither of these exclusions apply.
“Flood” damage is not synonymous with water damage. Flood damage when read in the context of most homeowners policies means rising water from a pond, lake, river or ocean, or tidal surge from any of these. These cannot be extrapolated to include a defective fire hydrant. Nor, is this loss caused by a “back up” from a sewer, drain or sump. This isn’t a “back-up,” and a fire hydrant is not a sewer, drain or sump.
Most homeowners policies are “all-risk” policies, which means that they cover all losses – however caused – unless they are specifically excluded. Because this loss is not specifically excluded, it is covered.
As with most of my insurance cases, my client owes me nothing out-of-pocket. If I win, the insurance company must typically pay my fees and costs, and if I lose, I’ll work for free.
Posted August 26th, 2010by George LewisNo Comments »
Neues von Gameloft: Spiel, Trailer & Angebote | iPad Info Wer keine Lust auf die Teilnahme an der Geschichte hat oder ungemütlich in einer überfüllten S-Bahn steht, kann den sogenannten “Auto-Pilot” aktivieren, der das Hörbuch in den passiven Modus versetzt und zu einem ganz gewöhnlichen Hörbuch ….. Nachdem im vergangenen Jahr die GamesCom-Coverage auf Touch-Mania eher klein ausgefallen ist, sind wir in diesem Jahr die ganze Woche lang live auf der weltweit größten Computerspiel-Messe unterwegs und greifen aktuelle Trends auf, … read more…
Is the Republican Victory Plan Another Great Depression … Obama’s so-called “health-care reform” simply further enriches the bloated insurance industry by requiring hard-working people to shell out more of their dollars for mandatory coverage. Meanwhile, since that so-ca
Posted August 24th, 2010by Alexander HollandNo Comments »
My client notice water staining on his first floor ceiling. His home was a two story house. He is a building contractor and opened up the ceiling and found significant damage to the wood member and floor joists supporting the second story. All of this wood damage was hidden from sight before he opened up the ceiling.
He reported the claim to his homeowners carrier. The insurance carrier paid only $10,000 under a ”mold and fungi” limitation endorsement. The amount of the damage is significantly more than $10,000. I believe that the damage is so significant that it should qualify under another coverage – collapse. Collapse is an often overlooked coverage that can often trump limitations such as we have in this case.
As with almost all of my insurance cases, my client doesn’t pay me anything. If I win, the insurance company has to pay my fees and costs, and if I lose, I’ll work for free.