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Florida’s Legislators Were Motivated to Reform Property Insurance Due to a Recent Rise in Sinkhole Claims

sinkhole.jpgInsurance companies may have won another battle to raise rates on hard working Floridians. They may have convinced Florida’s lawmakers to free them from providing comprehensive sinkhole coverage. Even though there is evidence which demonstrates that the rise in sinkhole claims are wholly legitimate, our legislators decided to side with insurance companies complaining about fraud and frivolous sinkhole claims. According to geologists, the recent rise in sinkhole reports can be attributed to the weather.

According to one geologist, you can almost predict sinkholes will occur when its dry and lots of water is pumped into an area. Also, the combination of low water levels and a big rain will lead to sinkholes. To illustrate this point, let’s take a look at some facts.

Between 1991 and 1998, we received normal levels of rainfall and 55 sinkholes were reported each year during that time period. From 1999 to 2001, we faced drought conditions and then the average number of reported sinkholes rose to 93 a year. The spike can be attributed to large amounts of water being pumped during the dry spell.

Currently, Hillsborough County is ripe for sinkholes because of the 2010 drought which was followed by a cold winter that saw many farmers pump water to protect their crops. In 2010, there were 171 sinkholes reported to the Department of Environmental Protection. 150 were in Hillsborough.

Despite a wholly innocent explanation for the rise in sinkhole claims, bills are being proposed that would remove the requirement for insurance companies to offer comprehensive sinkhole coverage. Some bills are proposing that insurance companies will only be required to offer coverage for total ground collapse, which basically means a whole structure falls into the sinkhole.

Its quite the shame that our elected officials are not taking into account the opinions of geologists who are providing an honest explanation for the rise in sinkhole claims. Sadly, it appears that our State can’t stand up to an insurance company when they are not telling the whole truth.

At Alvarez & Barbara, LLP we don’t take an insurance company for their word. On a daily basis, we aggressively represent homeowners, and businesses, who need help standing up to their insurance companies when they have been mistreated. Don’t hesitate to contact us if you find yourself having difficulty with your insurance company.

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.

Florida Insurance Companies are Running Scared and Continue to Dismantle Consumer Protections and Safeguards

insurance.jpgOnce again, our lawmakers are siding with insurance companies. Representative Plakon of the Florida House has proposed legislation that takes away the Insurance Consumer Advocate’s ability to give letter grades to insurance companies based on how they treat their policyholders.

The Insurance Consumer Advocate position is established by law and is appointed by the CFO. Their job is to look out for Florida’s insurance consumers by acting as our representative in the law-making process and in various boards. Basically, the Advocate is charged with representing our best interests.

State Farm and Rep. Plakon are trying to get rid of the one independent individual who represents insurance consumers in State government. Considering the wealth of the insurance lobby, you can imagine this is quite the difficult task. It is quite the bold move to eliminate this position in light of the insurance industry’s recent push to deregulate our rates. They have also been supporting legislation that makes it harder to file a claim and get fully paid on a claim.

How have the insurance companies been able to accomplish this? Well, they have seemingly convinced lawmakers that they are losing so much money that the whole system needs to be overhauled in their favor. However, the numbers tell a different story.

For fire insurance policies, insurers made a net profit, after dividends, of $448,803,211. For homeowners and commercial property insurance, insurers made $1,666,262,684 and $49, 479,326, respectively.

Sure, insurance companies are entitled to making a profit. If they don’t make a profit then they would be unable to pay out claims. However, there’s no need to take away the Advocate’s ability to give insurers letter grades. Most importantly, there’s no need take away this power as it will only keep Floridians from understanding how fair an insurer truly is.

While this advocate in government looks out for your interests in the lawmaking process, sometimes it is necessary to hire an advocate that represents you in the courtroom. If you’re having difficulty with your insurer after filing a claim, don’t hesitate to call us so we can represent you in the claims process, and, if needed, in court.

Indeed, 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.

Aging Pipes Presents Problems for Many Homeowners Such as the Risk of Significant Water Damage to your Home from a Burst Pipe

burst-pipe-10-01-18.jpgIn the past 12 months, water and sewer pipes have burst across Miami-Dade County, flooding streets and houses, tainting bay waters and disrupting lives. Indeed, Miami-Dade County estimates that it will cost approximately $325 million in the next 10 years to make pipe repairs to many aging pipes in Miami-Dade County.

The problem being experienced by Miami-Dade County is also being experienced by many homeowners. And there is nothing more disheartening than coming home to your home to see all of your personal effects floating away as a result of a significant pipe burst in your home.

The first signs of water damage might seem trivial. But warnings like water stains on the ceilings or a leak under the kitchen sink can lead to real problems, like a weakened roof or rotten floorboards. A burst pipe can even damage your furniture and other personal possessions. A burst pipe may even pose significant and detrimental health concerns. Often times pipe bursts are associated with foul odor, and bad smell. That smelly pipe burst can often times carry parasites, viruses and bacteria such as E. coli. But the risk of illness often times also depends on the type of pipe that burst, and the duration of the pipe burst.

Why take a chance with all the problems associated with aging pipes and pipe bursts? Learn where your home is most likely to suffer water damage, and what you can do to help prevent it.

Water damage is one of the most common reasons why people make claims on their home insurance. Burst pipes and leaky appliances often lead people to discover the details of their home insurance policies. Water damage and homeowners policies can be a volatile issue in many ways.

Generally, the damage caused by water will be covered, but whatever causes the damage — say, a leaking dishwasher hose — may not be. This also highlights the importance of truthful and accurate claims reporting to the insurance company because any inaccuracy in reporting the claim may lead to a denial of the claim by the insurance company.

Our Miami insurance dispute lawyers handle busted pipe claims for homeowners. Our attorneys represented insurance companies before 2006, when we opened a firm dedicated to fighting for the rights of consumers. We understand how insurance companies work. And we have the knowledge and experience necessary to represent homeowners in disputes over an insurance claim.

In some cases, an insurance company may try to claim a busted pipe claim is not covered because it falls under flood insurance. In other cases, the insurer may claim negligence, Act of God or any other means at its disposal to deny a claim and discourage a homeowner from re-filing. The reality is that, aside from a fire, hurricane or other disaster, busted pipe claims can be among the most costly for an insurer to pay.

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.

Are Insurance Companies Committing Fraud to Deny Legitimate Insurance Claims? According to a Recent Lawsuit Filed against Argus Fire & Casualty Company, it Happens Everyday

house on fire.jpgAnyone who has ever filed a claim with their homeowners insurance company, or any insurance company, for that matter, knows it can be quite an ordeal.

As part of basically every insurance contract the party paying all the insurance premiums in exchange for insurance coverage must fully cooperate with the insurance company during the course of the insurance company’s investigation once a claim is reported. If you don’t then the insurance company can deny coverage. The basis being that even though you have paid all those insurance premiums, you are in breach of contract by failing to adhere to the “cooperation clause” of your insurance contract with the insurance company.

Cooperating often entails producing any and all paper work related to the claim and handing over photos and videos of damage. The insurance company could also ask for claimants to show up at an examination under oath (EUO). Failing to show up to the EUO will allow an insurance company to deny your claim regardless of the damages and despite having paid all your premiums on time.

At an EUO the homeowner is often asked to show up at the insurers lawyers’ office and are asked questions under oath. Often times, our clients ask us, “Why are they making me do all of this? Do they think I’m making all of this up?” Unfortunately, insurance companies often think just that, and some times they even think that their policy holders are committing fraud.

However, it’s also a possibility that the insurance company is simply fishing for a reason to deny a wholly legitimate claim. In fact, they may be the ones who are making things up.

Its recently come to light in a whistle blower lawsuit that Argus Fire & Casualty Company may be inventing reasons to deny or delay legitimate claims. And the insurance company’s motive is no doubt greed and often driven exclusively by money. Put differently, and even though insurance companies gladly accept your premiums, and rake in millions and billions of dollars yearly, they often times don’t want to pay the smallest of claims in an effort to ensure that they keep all that money they raked in for themselves.

Susan Varela, a former adjuster for Argus Fire & Casualty Company, claims she was fired after blowing the whistle on the insurance company’s practice of denying claims that should have been covered. She’s also alleging that Argus has been defrauding reinsurers by submitting their very own false claims. Talk about irony – an insurance company denying claims submitted by their insureds but yet turning around and submitting false claims to the insurance company that insures the insurance company, the re-insurers.

If you have ever had to deal with an insurance company, then none of this should be surprising. Insurance companies are often times about as trustworthy as automobile salesmen: You had better read the fine print lest the deal could come back to kick you in the junk.

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.

State Farm’s Request for a Rate Increase Does Not Add Up for Hard Working Floridians

state farm-thumb-225x357-13776.jpgAs we have discussed previously on this blog, State Farm Florida Insurance, the state’s largest private property insurer, wants to raise rates by a statewide average of 28 percent.

Although Florida has dodged a direct hit by hurricanes the past five years, State Farm claims that the increase is required to cover rising losses for claims unrelated to storms such as sinkholes. The increase comes after the company received approval in 2009 to raise average statewide rates by 28 percent and approval in November to raise them again by 6.6 percent.

State Farm had 678,849 residential property insurance policies in the state as of late last year, including 128,506 in Broward, Palm Beach and Miami-Dade counties and 175,084 in the Orlando area.

Some perspective based on the numbers….

Let’s say that the average homeowner’s insurance policy premium each month in Florida is $128/month.

State Farm has 678,849 residential property insurance policies.

That equals about $86,892,672.00 that State Farm collects each month in Florida from homeowners.

That is $1,042,712,064.00 that State Farm collects for the year.

Rather than pumping that money out of the country to overseas reinsurers to help them pay for opulent conferences in Monte Carlo, let’s say State Farm opted invest that money. And with that investment let’s say State Farm secures a modest average return of 10% per year (the stock market average return is 12% in the long run). This means that State Farm makes $104,271,206.40.

Keep in mind that insurance companies are required to keep reserves which they invest. These reserves are in the BILLIONS of dollars. However, forget about that now and focus solely on what State Farm receives in premiums from homeowners.

State Farm claims that they need to increase rates because of an increase in sinkhole hole claims over the past few years that are related to the recent rise in housing starts and the real estate meltdown. The recent rise in sinkhole claims is due in large part to the recent explosion in real estate development throughout Florida, and especially in South Florida. Over development has left the ground susceptible to sinkholes. Plus, while sinkholes occur in other U.S. states, Florida is more prone to sinkhole related problems because of underground limestone that dissolves under certain conditions, especially in areas that have been over developed, according to many leading geologists.

Nonetheless, let’s do some math. State Farm’s spokesman claims that sinkholes were responsible for State Farm spending $351 million over the last three years. That is $117 million for one year.

If State Farm gets a 10% return from the investment of the money it receives from homeowners insurance premiums, then they will only be short $12,728,794.00 for the year. Now, remember the BILLIONS of dollars that State Farm is required to hold in reserves and think about the money received on the investment of those reserves. $12 million is pocket change to State Farm, and they aren’t really losing anything. Especially if you consider all the money that is shipped overseas by State Farm and others.

However, if State Farm increases rates by 28%, then the average premium in Florida goes from $128/month to $163.84/month. That’s an extra $291,959,377.92 that State Farm will receive when they claim only “need” an extra $12,728,794.00.

It sure sounds, and looks, like State Farm is trying to take many hard working Floridians for granted.
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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.

Stop the Madness – Overseas Companies are Profiting from Florida’s Property Insurers But Yet Florida’s Property Insurers are Still Seeking to Increase Rates that Hard Working Floridians Pay to Insure Their Property

4057088004_866e2f3189.jpgAn annual insurance company gathering at Monte Carlo is funded by Florida’s extensive spending on insurance and reinsurance. This expensive gathering is paid by the two thirds of property insurance premiums that now leave Florida as unregulated payments to largely offshore companies that sell hurricane protection to insurers and that operate without rate control or consumer oversight.

These unregulated companies determine how much Floridians must pay for property insurance, and whether property insurance is available at all in Florida.

Florida’s increased reliance on this unregulated market is eroding the industry’s ability to withstand the inevitable disaster that a major hurricane will inflict on Florida.

Meanwhile, Florida’s insurance companies are pleading poverty today despite the fact that Florida has not been hit by a major hurricane in 5 years. This costly dependence on reinsurers will only hurt Florida especially since the reinsurers only play by the rules established on Wall Street and fail to play any role in insuring the risk here in Florida.

Indeed, former Gov. Jeb Bush set aside his free market ideology to conclude that Florida could not “be at the mercy of people who hope for catastrophes to keep their rates high” purely for profit and to the detriment of all Floridians.

This problem is highlighted by the fact that from 2004 to 2009, Florida carriers’ reinsurance bill nearly tripled, from $1.4 billion a year to more than $4 billion.

The portion of homeowners’ premium devoted to reinsurance in that time increased from 37 percent to 64 percent, according to an analysis conducted of 70 Florida-only property insurers. The national average is only 19 percent.

That in turn drove up the cost of coverage for all of Florida’s homeowners. Quarterly premium reports show the average Florida homeowner pays 72 percent more today than in 2003. The average premium has nearly doubled or more in nine coastal counties.

And despite all of this, the State of Florida is nonetheless poised to aid these insurance companies to the detriment of Floridians across our great state.
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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.

Sinkhole Claims are Driving Property Insurance Reform

4266221777_808f7c2878.jpgThis past week Florida state legislators turned their attention to a problem that is becoming increasingly more expensive: questionable sinkhole claims. These claims are purportedly driving up the costs of insurance premiums for Florida homeowners.

The Senate Banking and Insurance Committee heard testimony, but did not take action on the bill which is similar to one that was vetoed by Charlie Crist last year. The bill is aimed at making homeowners’ policies more affordable by establishing a more competitive private insurance market.

Senator Garret Richter of Naples stated that all he was trying to do was let the marketplace work and proposes that the bill would allow consumers to choose the product and insurer they want. Sen. Richter was the legislator who steered the previous insurance bill through the halls of the Florida legislature. Former Gov. Charlie Crist stated he vetoed that bill because it was “not consumer-friendly enough”.

The last major hurricane to hit Florida was in 2005. Since then, sinkhole claims have exponentially increased. In the past three years sinkhole claims have totaled $2 billion. Also, premiums for sinkhole claims have tripled in the last three years for homeowners across the state. However, two-thirds of claims arise from Hernando, Hillsborough, and Pasco Counties.

Some amendments to the bill were challenged because legislators felt they were too favorable to the insurance industry. Senator Mike Fasano of New Port Richey believes that if the reins are loosened too much, insurers will have the ability to refuse to provide sinkhole coverage.

Although the committee adjourned before finishing work on the bill, they plan on starting back up again.
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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.

Florida Legislators Begin to Tackle Property Insurance Legislation that Will Hurt Florida Consumers and May Lead to Higher Insurance Rates and Fewer Payouts to Floridians

3198716696_6a1fdb1acd.jpgOne of the main objectives of the newly elected Governor, and many legislators, is to re-visit a property insurance bill that was vetoed by Governor Crist last year. The vetoed bill was supported by the insurance industry, but Governor Crist vetoed the bill and called it “anti-consumer” and stated that it was wrong to allow the insurance companies to raise insurance rates during these very tough economic times.

Newly elected Florida legislators are intent on re-visiting this issue as soon as possible. Indeed, an ambitious re-write of the bill that was vetoed by Governor Crist will get its first public hearing this week as many lawmakers grapple with again trying to reduce costs for the industry.

This new bill (SB 408), sponsored by Sen. Garrett Richter, R-Naples, will make it harder for public adjusters to re-open old claims to holdbacks of payouts pending proof of repairs.

Among other provisions found in the bill include the following:

• Allowing insurance companies to hold back a portion of claims payments until the policyholder shows proof that repairs and replacements are indeed taking place. Insurers have argued that Florida is one of the few states that requires insurers to pay claims up front and does not require proof that claims are not simply being pocketed.

• Reducing to three years the length of time a policyholder can re-file a claim, down from the five year window now on the books.

• Shifting the burden of proof in contested sinkhole cases from an insurance company burden to prove damage wasn’t caused by a sinkhole to a policyholder burden to prove it was. It also would require sinkhole work to be under contract before full payment is made.

• Placing restrictions on public adjuster advertising and capping commissions public adjusters can take on re-opened claims.

• Allowing an insurer to cancel a policy within 45 days if state regulators determine the cancellation serves the public or policyholder’s interest.

This legislation would be a major win for insurance companies and a major slap in the face for homeowners. As our Miami insurance dispute attorneys have reported, property insurance companies are already pushing double-digit increases past regulators, despite no major storm damage in the last five years and plummeting property values. Still, companies are claiming rates are not high enough to match risk and pay claims.
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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.

Computer Models May Be to Blame for Higher Insurance Rates

HurricaneAndrew1.jpgWe’ve been discussing the coming insurance rate hikes the past few weeks on this blog. The news tells us that the hikes are due to legislative changes and increased scrutiny over sinkhole claims. Also, insurers would like to make coastal property owners take on more of a financial burden due to their increased risks. Now, we may also thank a computer for the coming hikes as well.

A new computer model showing the possible risks of a hurricane demonstrates that the storms may cause more damage than previously expected, especially further inland. The model was created by Risk Management Solutions, a producer of hurricane computer models used by insurers to set rates.

The belief is that hurricanes break up after reaching land. However, the model shows it could take longer for that to happen. This has the effect of increasing damage projections inland. This is the company’s first update of the model since 2003 and that there have been significant improvements in research since then. Hurricane Charley was closely examined and used to justify the model’s findings. In 2005, Hurricane Charley caused damage as far inland as Orlando.

The Florida Consumer Action Network (FCAN) believes insurance companies will use the model to justify property rate hikes. An executive from Standard and Poors agreed with this assessment. FCAN does not trust the findings and believes the model’s data does not have to be justified publicly because the data is allowed to remain confidential.

Despite FCAN’s position, its reported that the Florida Commission on Hurricane Loss Projection Methodology has access to that data. Further, this panel is supposed to review the model before it is approved for use by insurers.


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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.

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