Hurricane Irma is now a Cat 5 Hurricane. Meanwhile, nearly a year later, we are still intaking Hurricane Matthew claims from insureds who held out hope that their insurance company would do right by them. My recommendation is and will always be to have representation immediately. There is no reason why an insured should go unrepresented in the claims process. Look at it this way, the insurance company has its team of adjusters and engineers. Why should an insured not be on the same level playing field as the insurance company? In my experience, I have never handled a claim where the insurance company found all the covered damage and immediately paid an appropriate amount to restore a property to its pre-loss condition. After a claim, an insured should immediately seek legal representation to properly preserve and prepare the claim, which includes proper documentation (including differentiating conditions which existed pre v. post loss), analysis (including expert retention) and valuation (utilizing qualified experts) of the loss.
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My wife and I took a drive up A1A to one of our favorite places, St. Augustine. The drive along the coast is a great way to wind down after a long work week. While this is a regular excursion for us, we had not been to St. Augustine since Hurricane Matthew until recently. During the drive, I could not stop pointing out all the mismatched shingles & roof tiles, granular loss and blue tarps.
Understandably, my wife wanted me to turn off “work mode”. That was the point of the drive, right? However, I could not help to wonder how many homeowners were taken advantage of not knowing that a policyholder may be entitled, under Florida law, to matching shingle/tile replacement. In many instances, in the event a matching replacement cannot be located, the insurance company must pay for entire roof replacement per Florida law. What is meant by granular loss? Simply, look at a shingle roof. If you can see a pattern in the shingles that was not there before the hurricane, then you may have granular loss. It may be more defined now, several months later, as dirt accumulates differently depending on the amount of granules on a shingle. As for tarps, why are there so many tarps still? Are roofing companies that backlogged or are insurance companies failing to pay insurance benefits?
The frequency of shady contractors swindling homeowners in insurance claims has dramatically increased since Hurricane Matthew devastated the area. The contractors’ method of deception is forcing a homeowner to sign an Assignment of Benefits (AOB). While most insurance policies allow for a homeowner to assign benefits to a third party, such an assignment is not required or mandated in order to receive benefits. Many contractors approach the homeowner with an AOB form and suggest that it must be signed before they can proceed with providing a repair estimate.
If you sign an AOB you can no longer deal directly with the insurance carrier to resolve your claim. The claims adjuster can only legally negotiate with the contractor and payments will be made directly to the contractor. Unfortunately, some contractors cash claims checks without making any repairs to the insured’s home.
There is currently pending before the 2017 Florida Legislature a bill that will greatly reduce the ability for contractors to defraud homeowners with AOBs. If passed, under the new law an AOB will not be valid unless it is signed by all persons insured under the policy and includes a seven-day period in which the insured may cancel or void the assignment without penalty. Most importantly, the AOB must contain a written, itemized, per-unit cost estimate of the work to be performed.
Until new legislation is passed, however, your rights as a policyholder and claimant could be compromised if you sign an AOB. If a contractor asks you to sign a contract, estimate or other document, contact our office and allow one of our attorneys to review the document with you and assure your interests are protected.
After you received a Final Judgment dissolving your marriage, you probably felt a multitude of feelings ranging from relief to sadness, which are all normal feelings after a divorce. You may also feel that the Final Judgment did not fairly divide your marital assets or debts, or sufficiently provide for your support in terms of the amount or length of alimony. On the other hand, you may be the spouse who is ordered to pay alimony or portions of other spouse’s attorneys’ fees, and feel that the judge did not properly consider all the facts in your case. In either case, if you feel that the Final Judgment is grossly inequitable, here are THREE things to consider before you take the step to file an appeal .
First , the time constraints on when you can file an appeal is important. While you have fifteen (15) days from the filing of the Final Judgment to request that the judge re-hear your case, this does not necessarily mean that the time to file an appeal of the Final Judgment will be tolled or suspended. You need to make sure that you are seeking a re-hearing from a Final Judgment that is “final in nature.” Normally, you have thirty (30) days from the rendition of the Final Judgment to file a Notice to the appellate court of your intent to appeal and pay the filing fee.
You may decide that because of the time constraints you want to forego seeking a re-hearing and simply seek an appeal of the Final Judgment. One caveat to doing this is that where your appeal is based on the judge failing to find specific facts supporting the Final Judgment, it has been established that the appellate court will not reverse the Final Judgment unless a re-hearing is first entertained and rejected. But, where your appeal is based on the argument that there is a lack of sufficient evidence supporting the Final Judgment a motion for re-hearing is not required.
Second , it is best to consider the type of “standard of review” the appellate court will apply to your appeal. In most appeals of a Final Judgments dissolving a marriage, the appellate court will utilize an abuse of discretion standard. An abuse of discretion standard is a low standard that requires the appellate court to reverse portions or all of the Final Judgment award, including alimony , child support, attorneys’ fees, or equitable distribution award only if it finds that the trial court abused its discretion. However, where the judge incorrectly applied the law to the facts of your case or interpretation of the law, then the appellate court can review your Final Judgment de novo or as if, the appellate court was retrying your case.
Third , an appeal process takes time, on average, a year to two years. This is because after a notice to the appellate court is filed, you have seventy (70) days to file a brief detailing your arguments, then your ex-spouse has twenty (20) days to file an answer to your brief, and finally, you have twenty (20) days to file a reply to your ex-spouse’s answer brief. Each side can also seek extensions of time to file their briefs, which extends the appeals process even further. Also, either side can request that the parties be given a chance to orally argue their side before a three panel judge.
Whether an appeal should be your next choice, or the right choice, requires consideration of many things including the time, expense and the overall outcome you wish from an appeal. Contact our offices at (386) 506-8325 for more guidance and advice on whether you should seek an appeal and what to expect from your appeal.