Call Us Today

305-262-4433

Subscribe to our newsletter

Facebook pageFollow us in TwitterLinkedIn ProfileView Author's Justia ProfileGoogle Plus ProfileSubscribe to this blog's RSS feed

 305-262-4443
www.bplegal.com

logos

Is Your Business Ready for Hurricane Season?

wilma_cancun1.jpgWith hurricane season upon us, now is the time for all businesses throughout South Florida to properly plan for hurricane season.

It is vital for every business owner or professional to have a disaster plan in place that includes knowing how to assess damage, understanding how to properly file an insurance claim, and make the required repairs to get back to work as quickly as possible. Taking the wrong approach, or simply mishandling your potential insurance claim, could cost you a lot of money with respect to any claim that may ultimately be submitted to your insurance company.

In an effort to aid your hurricane season preparation, here are some suggestions that could assist you during this upcoming hurricane season’s adequately prepare.

• Make sure to copy and safely store your pertinent documents. For instance, make sure you have a copy of your property and casualty, as well as a copy of your business interruption insurance policy, and a copy of your lease agreement. You should maintain hard copies of these important documents in the event of a long-term power outage, but you should also store these documents digitally and off-site in a secure electronic environment. You should also safely store these documents in a manner that will allow you to gain very quick access to them in the event of a catastrophe.

• You should also safely make the appropriate arrangements to have copies of your last four years of income tax returns, and the last six months of your profit and loss statements safely secured. You’ll need the financial data in the event that you have to make a business interruption claim, and you will need physical copies of these documents should you not be able to gain access to them electronically.

• Keep an updated account of your inventory, and print that out as well. Be sure to inventory all of your office supplies such as computers, desk, chairs and paper since you can recover those losses. You should photograph all of these items as well.

• If you rent space, then it is imperative that you keep a copy of your lease agreement in a safe place along with all of the aforementioned other documents.

• Make sure to take photographs and/or video of your entire workspace, including your inventory and office supplies.

• Make sure to collect emergency contact information for all of your employees, suppliers, and vendors.

• Work with your senior staff to prepare a plan for a storm, fire, flood or other emergency. What are the contingencies that will allow you to get back to work quickly, and what are the variables that will prompt a long term shut down. Who will be in charge of getting your network back up? Who will be in charge of contacting your major clients? Who will be in charge of handling your insurance claim? Assigning these responsibilities in a calm environment prior to a storm striking will only aid the smooth transition to get back to work after a storm strikes South Florida.

• If you own the property, hire a licensed inspector or contractor to examine the roof, interior and other structural components in advance to the store. You do not want the insurance company to deny your claim by saying that your property had pre-existing damage. The best way to combat that argument is to conduct the appropriate inspection today.

• Prepare a list of preferred contractors that you can call on for all necessary repairs. Don’t wait for the insurance company to find someone. If the storm was a catastrophe, then that aid will be difficult to come by. Indeed, it will be incumbent upon you to repair your damages, and the best way to do that is to contact a contractor today and make arrangements to insure prompt repairs after a storm strikes out Florida.
—–
EXTENDED BODY:
Consider Your Options. Call Us Today.

Considering the increased odds of South Florida getting hit by a storm you should take the necessary steps to safeguard your property and business. That is particularly true since history suggests that South Florida is due for a hurricane strike. Therefore, this is certainly not the season to take lightly. We’ve been spared the last few years, but this could be the year where we are hit by another hurricane. Hurricanes are a fact of life living in South Florida. Although inevitable, they are not surprises like earthquakes or tsunamis. You can prepare and be ready for a hurricane. Call us today to discuss your hurricane preparation in greater detail.

Federal Forecasters are Predicting that the 2011 Hurricane Season will be an Active One

Radar_Sat_Loops.jpgForecasters are predicting another above normal hurricane season in the region. Therefore, it is critical to be prepared as this year’s hurricane season gets underway.

The National Oceanic and Atmospheric Administration’s (NOAA) forecast for the Atlantic, Caribbean Sea and Gulf of Mexico is calling for 12 to 18 named storms. They predict that 6 to 10 of these named storms will become hurricanes. It is also predicted that 3 to 6 of these will become major hurricanes.

The forecasters believe that unusually warm water in the Atlantic Ocean is the major reason why we should expect a busy hurricane season. The impact of the La Nina climate pattern may also contribute to the hectic season.

We should give credence to this forecast because it is similar to an earlier prediction coming out of Colorado State University that calls for 16 storms in the Atlantic basin. Also, NOAA forecasts for named storms have been on point in 6 out of the last 11 years.

Luckily, hurricanes are not surprises like tornadoes, earthquakes and volcanic eruptions. Because of this, we have ample time to prepare. Don’t become complacent and prepare for a hurricane, especially since its predicted to be a busy season. Preparation will help protect your family and home from danger.

Indeed, history suggests that South Florida is due for a hurricane strike. Therefore, this is certainly not the season to take lightly. We’ve been spared the last few years, but this could be the year where we are hit by another hurricane. Hurricanes are a fact of life living in South Florida. Although inevitable, they are not surprises like earthquakes or tsunamis. You can prepare and be ready for a hurricane.

Considering the increased odds of South Florida getting hit by a storm you should take the necessary steps to safeguard your property and family. One exercise that is a must is a review of your insurance policy to determine what is excluded from your policy. Most importantly, review what you’re supposed to do in the event your property is damaged in a windstorm. You should also check the financial strength of your insurance company, and stock up on food supplies.
—–
EXTENDED BODY:
Consider Your Options. Contact Us Today.

Before opening our law firm in 2006, our attorneys worked for some of the state’s, and nation’s, largest law firms, and worked representing the insurance companies for years. Our attorneys are now uniquely positioned to use that experience to assist individuals and businesses alike throughout Florida with their insurance claims. As a result, our attorneys are well versed in the impact insurance has on businesses, condominiums, and individuals alike. Our insurance litigation practice group is prepared to tackle your insurance claim.

Given our extensive experience litigating for, and against, insurance companies, our insurance litigation practice group is prepared to provide aggressive, efficient and effective representation on a broad spectrum of insurance claims in Florida for local, national, and international clients. We are prepared to advocate insurance claims at the pre-suit stage, trial, appellate and arbitration levels.

If you are facing a dispute over an insurance claim in Florida, contact Alvarez & Barbara, LLP, for a free and confidential consultation to discuss your rights.

Call us today toll free at 1-866-518-2913 or at 305-263-7700.

Stock Up on Food Supplies in Preparation for Hurricane Season

cereal-aisle.jpgIn the post Hurricane Wilma world in South Florida, many homes and many grocery stores now have generators installed that make a power outage following a significant hurricane a mere inconvenience.

If you recall, long power outages lasted throughout South Florida, and there were long lines at any gas stations, and grocery stores, where many individuals were forced to buy basic supplies such as water, ice, and food, following Hurricane Wilma.

One of the main lessons learned from Hurricane Wilma is to be adequately prepared in the event that a significant storm strikes the region.

That is one reason why many commercial establishments have invested money, and resources, over the past few years installing generators in the event that a storm strikes South Florida.

Nonetheless, and despite the presence of an increased number of generators in both homes and commercial establishments, now is the time to get ready for the 2011 hurricane season.

And one of the most important things to do in preparation for the upcoming hurricane season is to ensure that you have an adequate plan to make sure that you have all the available food and supplies on hand in the event that a hurricane does strike South Florida.

It is recommended that one start with seven days worth of food and water for your family. One gallon of portable water per person per day is required for drinking and cooking, and you should have on hand a 7 day supply of water.

It is also important to secure a certain amount of food your family is going to eat during those days following a hurricane. As for food, it is also very important to secure food items that your family will actually want to eat, because your family will get very bored of tuna sandwiches after a few days.

Also, be sure to stock up on all the food groups. For instance, you will need to stock up on foods that contains the necessary proteins (peanut butter, nuts, chili beans, vienna sausages etc.), dairy (canned milk, pasteurized processed cheese spreads, etc.), starch (canned, corn, vanilla wafer, graham crackers, pretzels, bread, etc.), as well as fruits and vegetables.

Of course, you’re also going to need to stock up on supplies to eat all that food. So make sure to also stock up on aluminum foil as well as disposable paper towels, aluminum pans, plates and silverware. Damp wipes, and garbage bags, will also come in handy.

And of course, don’t forget that can opener and bottle opener!
—–
EXTENDED BODY:
Consider Your Options. Contact Us Today.

Before opening our law firm in 2006, our attorneys worked for some of the state’s, and nation’s, largest law firms, and worked representing the insurance companies for years. Our attorneys are now uniquely positioned to use that experience to assist individuals and businesses alike throughout Florida with their insurance claims. As a result, our attorneys are well versed in the impact insurance has on businesses, condominiums, and individuals alike. Our insurance litigation practice group is prepared to tackle your insurance claim.

Given our extensive experience litigating for, and against, insurance companies, our insurance litigation practice group is prepared to provide aggressive, efficient and effective representation on a broad spectrum of insurance claims in Florida for local, national, and international clients. We are prepared to advocate insurance claims at the pre-suit stage, trial, appellate and arbitration levels.

If you are facing a dispute over an insurance claim in Florida, contact Alvarez & Barbara, LLP, for a free and confidential consultation to discuss your rights.

Call us today toll free at 1-866-518-2913 or at 305-263-7700.
—–

Cell Phones are Often the Only Form of Communication after a Hurricane Strikes

kevin8.jpgWhenever a hurricane makes landfall in a densely populated area, such as South Florida, the last thing you want to be without is a form of communication. Therefore, it is imperative to be prepared.

These days, a cellular phone will be the most likely way we will communicate with the rest of the world during and after a hurricane.

However, simply having your cell phone available for use is not enough. More steps need to be taken to ensure that you are ready for any event which may arise. For example, you should keep your cell phone battery charged at all times. Its also important to have a backup plan to recharge your battery in case there is a power outage. A good alternative is to charge your phone by using a car charger or having extra batteries at hand.

During any storm, the biggest threat to your cell phone is water. Water will likely damage a cell phone, so keep it safe by storing it in a plastic bag or some other type of protective covering. You should also make sure to save all necessary emergency contact numbers and emails. These numbers should include the police department, fire station and hospital as well as your family members.

If you have a camera phone, that’s great. Be prepared to take photographs, even video, of any property damage. Having photographs and/or video will help you in the event you file an insurance claim.

Taking photographs is of the utmost importance because your insurance company will ask you for photos of the damages to your property. Without these photographs, your insurance company is going to give you a tougher time with your claim as it makes it more difficult to prove damages without a photograph or video. As such, have your camera phone ready for use after a hurricane.

Sometimes providing photos and other requested documentation is simply not enough for an insurance company. Even with photos an insurer may treat you unfairly or mishandle your claim. At Alvarez & Barbara, LLP, we have the experience and knowledge to represent individuals, businesses, and community associations who are having difficulties with their insurance claim. In the event you feel you are being mistreated by an insurance company, don’t hesitate to contact us.

Get Ready for the 2011 Hurricane Season

20091218192549!Hurricane_david_1979.jpgWith Memorial Day right around the corner many are making plans for the holiday. Some may be going on vacation and some may be planning a BBQ. But once the holiday weekend is over, we must prepare for the 2011 hurricane season which officially starts on June 1.

Many native South Floridians have been dealing with hurricanes since they were young children and simply brush off hurricane season without preparation. However, must we remind you of the damage caused by Hurricane Andrew or even the more recent Hurricane Wilma, the second worst hurricane in Florida history?

Advanced preparation is vital because right before a storm hits, supermarkets and home improvement stores are jam-packed with last minute shoppers. Waiting until the last minute on important supplies is especially dangerous because items fly off the shelves and you risk being left without necessary supplies. It also important to stock enough supplies to last you through a storm and beyond.

Here is what the National Hurricane Center recommends you make a part of your hurricane survival kit:

The National Hurricane Center recommends including these items in your hurricane survival kit:

– Water – at least 1 gallon daily per person for 3 to 7 days
– Food – at least enough for 3 to 7 days
– non-perishable packaged or canned food / juices
– foods for infants or the elderly
– snack foods
– non-electric can opener
– cooking tools / fuel
– paper plates / plastic utensils
– Blankets / Pillows, etc.
– Clothing – seasonal / rain gear/ sturdy shoes
– First Aid Kit / Medicines / Prescription Drugs
– Special Items – for babies and the elderly
– Toiletries / Hygiene items / Moisture wipes
– Flashlight / Batteries
– Radio – Battery operated and NOAA weather radio
– Telephones – Fully charged cell phone with extra battery and a traditional (not cordless) telephone set
– Cash (with some small bills) and Credit Cards – Banks and ATMs may not be available for extended periods
– Keys
– Toys, Books and Games
– Important documents – in a waterproof container or watertight resealable plastic bag
insurance, medical records, bank account numbers, Social Security card, etc.
– Tools – keep a set with you during the storm
– Vehicle fuel tanks filled
– Pet care items
– proper identification / immunization records / medications
– ample supply of food and water.
—–
EXTENDED BODY:
Consider Your Options. Contact Us Today.

Before opening our law firm in 2006, our attorneys worked for some of the state’s, and nation’s, largest law firms, and worked representing the insurance companies for years. Our attorneys are now uniquely positioned to use that experience to assist individuals and businesses alike throughout Florida with their insurance claims. As a result, our attorneys are well versed in the impact insurance has on businesses, condominiums, and individuals alike. Our insurance litigation practice group is prepared to tackle your insurance claim.

Given our extensive experience litigating for, and against, insurance companies, our insurance litigation practice group is prepared to provide aggressive, efficient and effective representation on a broad spectrum of insurance claims in Florida for local, national, and international clients. We are prepared to advocate insurance claims at the pre-suit stage, trial, appellate and arbitration levels.

If you are facing a dispute over an insurance claim in Florida, contact Alvarez & Barbara, LLP for a free and confidential consultation to discuss your rights.

Call us today toll free at 1-866-518-2913 or at 305-263-7700.

Meteorologists Predict That We Will See 15 Named Storms in 2011

hurricane-hugo_100313415_l.jpgAccording to news reports, we should get ready for a hectic hurricane season this year due to higher surface water temperatures. Also, South Florida is at a greater risk to be hit by a storm than in years past. Their meteorologists predict we will see 15 named storms. Of those, 8 should become hurricanes and 3 should become major hurricanes – meaning they will be at least Category 3 storms.

This is considered busy because the average season will bring 10 named storms, six which will become hurricanes and two of those being major hurricanes. Although the US was spared in the busy 2010 season, two storms caused enough damage that their names will never be used again.

Forecasters don’t like to make landfall predictions, but they are able to say that certain areas may be more prone to being hit by a hurricane this year. South Florida, Texas, and the Carolinas are being pinpointed as areas where chances of landfall are greater.

It’s certainly frightening to hear that South Florida is at great risk year to be struck by a hurricane. We’ve been spared over the last few years, but hurricanes are a fact of life in South Florida. Although this often leads us to brush off hurricanes, it’s important to be prepared.

One way of ensuring that you’re prepared is to make sure to having everything in place to contact your insurance company in the event of a windstorm because we have a duty to immediately notify our insurers of a loss. Whatever you do, and no matter how slight the damage, call your insurer if your home has been damaged by a windstorm.

However, there are times when immediate notice is still not enough because an insurer will treat their policyholder unfairly by wholly denying a valid claim or by not fully covering their insured’s loss. Realizing that most people are unaware of their rights, insurers may take advantage of their policyholders.

If you ever find yourself in a situation where you believe that your insurance company is treating you unfairly, don’t hesitate to contact Alvarez & Barbara, LLP. We have considerable experience dealing with insurance companies and working to make sure our clients get what they are owed.

Danielle? Earl? Fiona? Our Firm Stands Ready to Help Miami Homeowners if a Named Storm Strikes South Florida

So far this year there have been three named storms and two tropical depressions. Any of these storms are strong enough to do significant damage. However, only Bonnie reached South Florida and her impact was minimal.

Tropical depressions are storms with winds of up to 38 mph and are identified only by numbers; tropical storms are given names and have winds form 39 to 73 mph and hurricanes have winds above 74 mph.
569818_tormenta_tropical.jpg
Storms so far in 2010 have included:
-Hurricane Alex: Reached speeds of 100 mph and made landfall in Mexico.
-Tropical Depression Two: Speeds of 35 mph and followed Alex’s path into Mexico.
-Tropical Storm Bonnie: The only real threat so far to South Florida, she reached speeds of 40 mph.
-Tropical Storm Colin: Reached speeds of 60 mph in the mid-Atlantic but never threatened land.
-Tropical Depression 5: Formed off Southwest Florida and wandered through the Gulf of Mexico before breaking apart.

Our Miami hurricane damage lawyers urge you to take the South Florida hurricane season seriously and properly prepare for the safety of you and your family. Our staff will be available around the clock in the event of a serious storm and can assist you in filing claims or handling disputes with your insurance carrier.

Storms are named in order of the alphabet each year, except for the letters q, u, x, y, and z, which are omitted. Whenever a storm causes serious damage, like Wilma or Katrina, the name is retired and replaced.

Names for 2010 are:

Alex
Bonnie
Colin
Danielle
Earl
Fiona
Gaston
Hermine
Igor
Julia
Karl
Lisa
Matthew
Nicole
Otto
Paula
Richard
Shary
Tomas
Virginie
Walter
—–
EXTENDED BODY:
If you are facing a dispute over an insurance claim in Florida, contact Alvarez & Barbara, LLP toll free at 866-518-2913 for a free and confidential consultation to discuss your rights.

Hurricane Preparation in Stages may be Solution for Busy Miami Residents

As authorities watched Depression 5 scoot past the southwest tip of Florida this week, it became clear to our Miami insurance claims attorneys that we were going to miss the bulk of the threat, even if the storm gathered strength and became a named storm.

As we reported on our Florida Insurance Lawyer Blog, a storm must reach winds of 74 mph to reach hurricane strength and are then rated Category 1 through 5 depending on wind speed.
1285736_cloud_stock_2.jpg
This week’s storm motored past at 30 mph, not enough to even earn its name; depressions become named tropical storms upon reaching 39 mph. While it looked formidable enough to chase the BP crews out of the Gulf, it had trouble organizing and finally dissipated late Thursday night.

But it serves as a reminder that South Florida is in the very height of hurricane season. From now through November, the chances are good that the area will be threatened by named tropical storms or hurricanes. Even a tropical depression can cause wind and water damage while serving as a health reminder that the time to prepare is now, before a serious storm is eminent.

For those who always seem too busy to prepare, our Miami storm damage attorneys recommend readying you and your family in several stages.

Always
-Know and understand your insurance policy, including your exposure to deductibles.
-Keep your important paperwork in water-proof storage containers
-Keep several plastic totes with the following items inside (and clearly marked in a checklist on the outside): manual can opener, disposable plates, silverware and cups, first aid kit, flashlights, battery-operated radio.

Start of hurricane season

-Purchase fresh batteries for radios and flashlights
-Ensure fresh gas is available for the generator and gas grill and that both are in good repair.
-Purchase fresh bottled water (at least 7 gallons per person — a gallon a day for a week). Buying 20 oz bottles will allow the water to be used at the beach or around the pool after hurricane season.

Hurricane Watch
If you have followed the instructions above, this will be your serious hurricane preparation and it should be pretty simple:
-Fill cars with gas.
-Go grocery shopping
-Gather specialty items, including pet care and child care items.
-Charge cell phones
-Gather rain gear, toys, books and games
-Ensure you have cash on hand to last several weeks

Hurricane Warning
This means a hurricane is going to strike the area.
-Install storm shutters
-Remove patio furniture and other loose items, including planters, from the exterior of your home
-Ensure you have emergency contact information, including the location of the nearest shelter
-Listen to official instructions or advisories

If you are facing a dispute over an insurance claim in Florida, contact Alvarez & Barbara, LLP toll free at 866-518-2913 for a free and confidential consultation to discuss your rights.

Have you Started to Get Ready for the 2012 Hurricane Season?

Depositphotos_6176626_S.jpgWith Memorial Day right around the corner, many are making plans for the holiday. Some may be going on vacation and some may be planning a BBQ.

But once the holiday weekend is over, we must prepare for the 2012 hurricane season which officially starts on June 1.

Many native South Floridians have been dealing with hurricanes since they were young children and simply brush off hurricane season without preparation. However, must we remind you of the damage caused by Hurricane Andrew or even the more recent Hurricane Wilma, the second worst hurricane in Florida history?

Advanced preparation is vital because right before a storm hits, supermarkets and home improvement stores are jam-packed with last minute shoppers. Waiting until the last minute on important supplies is especially dangerous because items fly off the shelves and you risk being left without necessary supplies. It also important to stock enough supplies to last you through a storm and beyond.

The National Hurricane Center recommends including these items in your hurricane survival kit:

Water – at least 1 gallon daily per person for 3 to 7 days
Food – at least enough for 3 to 7 days
Non-perishable packaged or canned food / juices
Foods for infants or the elderly
Snack foods
Non-electric can opener
Cooking tools / fuel
Paper plates / plastic utensils
Blankets / Pillows, etc.
Clothing – seasonal / rain gear/ sturdy shoes
First Aid Kit / Medicines / Prescription Drugs
Special Items – for babies and the elderly
Toiletries / Hygiene items / Moisture wipes
Flashlight / Batteries
Radio – Battery operated and NOAA weather radio
Telephones – Fully charged cell phone with extra battery and a traditional (not cordless) telephone set
Cash (with some small bills) and Credit Cards – Banks and ATMs may not be available for extended periods
Keys
Toys, Books and Games
Important documents – in a waterproof container or watertight resealable plastic bag
insurance, medical records, bank account numbers, Social Security card, etc.
Tools – keep a set with you during the storm
Vehicle fuel tanks filled
Pet care items
Proper identification / immunization records / medications
Ample supply of food and water.

October-November, No Time to Forget about the Risks of Hurricanes and Storm Damage in South Florida

The South Florida hurricane season is nowhere close to being over, and residents need to remain vigilant even as they turn their attention toward fall and the upcoming tourist season, the Sun-Sentinel reports.

Our Miami storm damage attorneys have provided a number of resources for homeowners on our Florida Insurance Claims Lawyer Blog, including tips on preparing for a hurricane in South Florida.
569818_tormenta_tropical.jpg
As we head into fall, residents too often put concerns about hurricanes behind them. In realty, this past week — Tuesday Sept. 21, to be exact — was the midpoint of hurricane season In South Florida. Since records began in 1851, 20 hurricanes have struck the area before that date, and 21 have struck after.

“Basically, this means that October is still busy for us, while activity quiets down in other parts of the Atlantic basin,” said meteorologist Robert Molleda of the National Weather Service.

In fact, October has been South Florida’s most active month in terms of hurricanes, with 19 striking the area in the last 159 years. September saw the second-highest number, with 15.

Memorable hurricanes in October include Hurricane Wilma in 2005, Hurricane Irene in 1999 and Hurricane King in 1950.

In August, famed hurricane prognosticator William Gray predicted 18 named storms, including 10 hurricanes and 5 major hurricanes this season. NOAA called for 20 named storms, including 12 hurricanes, six of which would be major hurricanes. Tropical Storm Lisa’s formation on Tuesday puts the season’s current count at 12 named storms, including six hurricanes, five of which have been classified as intense.

In October, the Atlantic hurricane season does begin to wane, but storms are more likely to form in the warm waters of the Caribbean. The official end to the hurricane season is Nov. 30, although storms are still likely to form in November and even into December.
—–
EXTENDED BODY:
If you are facing a dispute over an insurance claim in Florida, contact Alvarez & Barbara, LLP toll free at 866-518-2913 for a free and confidential consultation to discuss your rights.
—–

Visit Our Other Blogs

logo-miami-resort-injury-lawyer

 

 

miami-real-estate-attorney-blog-footer-logo

Contact Us

No Fields Found.

Recent Entries

Florida Business Litigation Attorney
rated by Super Lawyers