Most casualty insurance policies (general liability, automobile, workers' compensation) pay for events that occur during the policy period. For example, an auto insurance policy will pay for an accident that occurs while the policy is in force. Directors and officers liability insurance policies, professional liability and employment practices liability policies, however, pay for lawsuits filed during the policy period; the wrongful act could have occurred years before. Claims-made policies respond only when a suit is filed, or when a strong threat of a suit exist. Occurrence policy: pays based on the date of the accident or occurrence. Claims-made policy: pays based on the date of the lawsuit. The downside of a claims-made policy comes if the policy is cancelled. Example: A directors and officers liability insurance policy is put in force January 1, 2004, and is renewed in 2005 and 2006. In 2007, however, the insured decides to end the coverage, as the premium has increased. Six months later, a letter from an attorney arrives announcing a lawsuit for discrimination in hiring that occurred in 2006. No coverage. Although the policy was in force at the time of the alleged discrimination, the policy was not in force when the suit was filed. The solution to the above problem is the extended reporting period feature found in claims-made policies. For an additional premium (paid at the time the policy is cancelled) coverage is extended for incidents that occurred during the policy period but for which no claim was filed until after cancellation.

It only takes one unfortunate incident to destroy a home, property, or place of business.  Home and property owners expect their insurance companies to provide coverage in the event of a disaster. After all, that’s what insurance companies are for, right? Although insurance companies are supposed to provide adequate coverage to their policy holders, sometimes they fail to do this. If your home, property, or place of business has been damaged by fire, water, or a storm, and your insurance company will not provide you with the coverage you deserve, then it’s important to contact an experienced insurance attorney as soon as possible.

At Martindale Law Group, we represent property owners whose insurance companies refuse to provide them with the coverage they need to repair the damage to their home, property, or place of business. Whether a client’s insurance claim as been denied, delayed, or under valued, our team of aggressive and experience insurance attorneys can help. 

Contact our Orlando Insurance Attorneys

At Martindale Law Group, we understand this is an incredibly difficult time in your life. Not only has your property been destroyed, but feelings of stress, anxiety, and overwhelming concern about your finances and the future can be unbearable. Save yourself the aggravation of dealing with obstinate insurance companies. Let our team of aggressive and reliable attorneys take on your insurance provider.

At Martindale Law Group, we are committed to obtaining the insurance coverage our clients need to repair their properties from fire damage, water damage, or storm damage.  We are highly familiar with Florida insurance laws, and have handled over 1,500 cases involving insurance disputes throughout our careers. As former insurance defense attorneys, we know the most effective ways for tackling and resolving an insurance claim dispute, and work hard to ensure our clients receive the coverage they need to rebuild their homes and properties so they can move forward with a clean slate. 

If your insurance company has denied, delayed, or mishandled your insurance claim, please do not hesitate to set up an appointment with one of our experienced Orlando insurance attorney at                               (855) 411-Justice (5878).  

We are committed to protecting our clients from greedy insurance companies who refuse to provide coverage for their claims.