floridainsurancelawyerblog.com
An Appellate Court Chastised an Insurance Company for its Conduct during an Examination Under Oath and Awarded Attorney Fees to the Insured - Florida Insurance Claim Lawyer Blog
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Subscribe to our newsletter. An Appellate Court Chastised an Insurance Company for its Conduct during an Examination Under Oath and Awarded Attorney Fees to the Insured. Posted by Hugo V. Alvarez. An insurance company was chastised by the Third District Court of Appeal for its conduct during an examination under oath. An examination under oath is a common condition precedent. Court Ruling Taking an Insurance Company’s Conduct to Task. In a case decided by the Third District Court of Appeal. In that case,...
floridainsurancelawyerblog.com
How to Cook When There is No Power after a Storm
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Subscribe to our newsletter. How to Cook When There is No Power after a Storm. Posted by Hugo V. Alvarez. I still remember the last hurricane that hit South Florida. It was Hurricane Wilma back in 2005. It caused a lot of damage to South Florida homes, and offices. But one of my lasting memories of coping with the aftermath of Hurricane Wilma was trying to cook when there was no power after the storm. It proved to be challenging at times. But reflect on the lessons learned from past storms to be better p...
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Anniversary of Hurricane Wilma a reminder of the lessons learned in South Florida - Florida Insurance Claim Lawyer Blog
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Subscribe to our newsletter. Anniversary of Hurricane Wilma a reminder of the lessons learned in South Florida. Posted by Hugo V. Alvarez. This week marks the five year anniversary of Hurricane Wilma, the last major storm to strike South Florida. Newspapers as far away as California marked the anniversary, as the Sacramento Bee. The bill would also move to regulate discounts homeowners are permitted to get for hurricane resistant construction. The insurance industry is crying foul over this measure, ...
floridainsurancelawyerblog.com
The Importance of the Examination Under Oath (EUO) and How it Impacts your Insurance Claim - Florida Insurance Claim Lawyer Blog
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Subscribe to our newsletter. The Importance of the Examination Under Oath (EUO) and How it Impacts your Insurance Claim. Posted by Hugo V. Alvarez. What is an Examination Under Oath? It should be noted that the EUO could be tape recorded, or even video taped. But it will certainly be transcribed, and you will be sworn to tell the truth. The sworn testimony that you give will also be used by the insurance company to serve their interest, and against you, if possible. Who has to sit and attend an EUO?
floridainsurancelawyerblog.com
The Difference Between Replacement Cost Coverage and Actual Cost Coverage
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Subscribe to our newsletter. The Difference Between Replacement Cost Coverage and Actual Cost Coverage. Posted by Hugo V. Alvarez. Replacement cost coverage will pay you for the item in today’s dollars. For instance, let’s say your sofa was stolen or damaged from your home. Replacement cost coverage will reimburse you the full cost of replacing the sofa with a new one of like kind. On the other hand, actual cash value will pay you the replacement cost of the sofa. So to quickly recap, both actual cash va...
floridainsurancelawyerblog.com
Why Won't Your Insurance Company Pay You If Your Boat Sank?
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Subscribe to our newsletter. Why Won’t Your Insurance Company Pay You If Your Boat Sank? Posted by Hugo V. Alvarez. Your boat sank. You timely paid all of your insurance premiums. Yet the insurance company does not want to pay you for your loss. The question becomes, why won’t your insurance pay you if your boat sank? Today to discuss your claim. In Great Lakes Reinsurance v. Soveral. Then there are other provisions in the insurance policy that an insurance company will look to in order to attempt to den...
miamirealestateattorneyblog.com
Accidental Landlords Take Advantage of HARP 2.0 to Re-Finance Their Investment Properties and Save Thousands of Dollars
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Subscribe to our newsletter. Accidental Landlords Take Advantage of HARP 2.0 to Re-Finance Their Investment Properties and Save Thousands of Dollars. Posted by Hugo V. Alvarez. As we previously discussed. An accidental landlord is someone who purchased a new primary residence, but was unable to sell their prior primary residence. The question that is often asked is under this scenario would the investment home/property be eligible to re-finance. Under Harp 2.0? If the homeowner can qualify to re-finance ...
miamirealestateattorneyblog.com
New Rules for Closing Residential Transactions
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Subscribe to our newsletter. New Rules for Closing Residential Transactions. Posted by Hugo V. Alvarez. New Rules for Closing Residential Transactions. If a buyer of a residential listing applies for a mortgage loan on or after August 1, 2015, new federal regulations will apply to the loan transaction. Generally, these new regulations will apply to all transactions involving a new residential mortgage loan. Cash and commercial transactions, even if a residence is involved, are not affected. While the new...
miamirealestateattorneyblog.com
Re-Finance Archives - Miami Real Estate Attorney Blog
http://www.miamirealestateattorneyblog.com/category/re-finance
Subscribe to our newsletter. Accidental Landlords Take Advantage of HARP 2.0 to Re-Finance Their Investment Properties and Save Thousands of Dollars. Posted by Hugo V. Alvarez. As we previously discussed. An accidental landlord is someone who purchased a new primary residence, but was unable to sell their prior primary residence. The question that is often asked is under this scenario would the investment home/property be eligible to re-finance. Under Harp 2.0? If the homeowner can qualify to re-finance ...
miamirealestateattorneyblog.com
Brazen Fraud - Fraudulent Deeds Creating Problems for Homeowners and Purchasers Alike - Miami Real Estate Attorney Blog
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Subscribe to our newsletter. Brazen Fraud – Fraudulent Deeds Creating Problems for Homeowners and Purchasers Alike. Posted by Hugo V. Alvarez. A large number of claims in Florida are being filed as a result of forged deeds on foreclosed or bank owned properties. The deeds were almost always into trust and the transaction that was insured in the one from the trust to the new, the innocent purchaser. The red flag or scam is that the grantee is a trust not the trustee of the trust. Moreover, another red...
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