There’s No Denying It: Florida Policyholders Have a Right to Insurance Coverage for the First 13 Days of a Water Loss

This past week, an intermediate appellate court issued a significant decision in Hicks v. American Integrity Ins. Co. The Court decided that the insurance company had misapplied a policy provision excluding damages caused by the “[c]onstant or repeated seepage or leakage of water… over a period of 14 days or more.” In Hicks, while the […]

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Post Loss Compliance: The Duty to Give Prompt Notice

All property insurance policies impose responsibilities on an insured in the event of a loss. One of those responsibilities is to provide notice of a claim.  The purpose of a policy’s notice clause is to allow the insurance company to evaluate its rights and afford it an opportunity to investigate the claim.  Depending on the […]

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