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Auto, Truck & Motor Vehicle Accidents
- Plant City Crash Causes Two Deaths, One Injured. No Seatbelts, Overcorrection cited as Cause
- Full Coverage Can Leave You Empty
- Woman dies on U.S. 27 when ejected from sport utilty
- Red LIght Runners Beware
- Man struck and killed on Socrum Loop Road on Saturday
- Polk County is Getting Rain, Be Careful Out There
- Attorneys and Insurance Companies Agree - Uninsured Motorist Coverage is Key
- DUI DRIVER CHARGED WITH MANSLAUGHTER
- TRAGIC DEATH ON STATE ROAD 60, NOT WEARING SEAT BELT
- School Bus Driver Negligent in Parking Bus on Railroad Crossing
Personal Injury
- Florida City Leads Nation in Slip and Fall Deaths
- CSX Still Looking for Deal That Limits Its Liability
- Lakewood Terrace Apartments May Be Shut Down
- Slip and Fall -- Check Your Shoes!
- RAILROADS START TAKING SAFETY SERIOUSLY IN POLK COUNTY
- DOG BITES BOY IN DAVENPORT, BOY AIRLIFTED
- "Rambo" Litigators Are Losers -- and So Are Their Clients
- WHEN RENTING APARTMENTS BE CAREFUL OF CRIME
- Paula Dockery's Letter Exposes Unfairness of CSX Deal
- Simple Measures Can Prevent Pool Tragedies
Wrongful Death
- Anthony Smith Struck, Killed by Train
- Woman Dies When Hit By Car in Davenport
- BABY DIES IN CAR IN UNSECURED INFANT CARRIER
- A Moment's Negligence Claims the Life of 5-year-old Hope Wheeler
- MAN IN WHEELCHAIR KILLED BY HIT-AND-RUN DRIVER
Medical Malpractice
- LRMC ER visits way up over last year
- KNOW YOUR RIGHTS AT THE HOSPITAL
- Reisdency Programs at Area Medical Facilities Should Help Keep Doctors
- False Medical Malpractice "Crisis" Hurts Victims
- Errors Made By Dentists
- Too Many Children Are Harmed by Medical Mistakes
- Tampa Jury Awards $12M Against Tampa General in Death of Infant
- Medical Malpractice Insurers Profit from Misleading Information
- FDA Set to Review Lasik Warnings
- Wait Times Increasing in Emergency Rooms
Nursing Home Neglect / Abuse
- An Understaffed Nursing Home is a Leading Factor in Elder Abuse and Neglect
- Recognizing Nursing Home Abuse
- Medicare Won’t Pay for Hospital Surgical Mistakes
Product Liability
- What Happens if a Defective Product Harms a Child?
- No Cold Medicine for Kids
- Apple Involved in a Defective Product Lawsuit
- Sisters Injured When Personal Watercraft Explodes
- USDA Warns of E. Coli-Tainted Beef
- Delayed Notification From CPSC Means More Injuries
Insurance Disputes
- Don't Skimp on Insurance When Times are Tough
- Personal Injury Protection Insurance Is There to Protect You, Regardless of Fault
- Allstate Ranked No. 1 -- For Complaints
- 10 Worst Insurance Companies
- ALLSTATE FINALLY GIVES IN, GIVES GOVERNMENT SECRET DOCUMENTS
- Allstate Insurance Company Suspended From Writing Policies in Florida, AGAIN
- INSURANCE REGULATORS FILE ADMINISTRATIVE COMPLAINT AGAINST ALLSTATE
- No Policies to be written by Allstate
- Allstate being called onto the carpet...
- Florida Bars New Allstate Policies After Insurer Withholds Documents, Angers Regulators
Hurricane Insurance Claim
- Late season hurricanes are still a threat
- Tropical Storm Fay – Are You Covered?
- Experts predict more hurricanes – Better check your coverage
- Your Insurance Coverage May Not Be As Good As You Think
- Hurricane Season Is Good Time to Check Insurance Coverage
- Hurricane Season is Here!
- HURRICANE VICTIMS OFTEN SUFFER AT HANDS OF UNETHICAL ADJUSTERS
Sinkhole Claims
Drug Cases
- Airborne Settles False Advertising Suit for $23.3 Million
- Merck Settles Overbilling Lawsuits: $671 Million
General
- Ask The Hard Questions When Choosing A Lawyer
- Tenth Circuit Judge Elections – Go Vote!
- Parents Arrested for Death Involving Drunk Teenagers
- How Do You Find The Best Lawyer For Your Case?
- Molestation Follows Security Breakdown at Lakeland Daycare
- Motorcycle Helmet Law Gone for 8 Years
- Fireworks Safety Month
- Boater Death Highlights Importance of Flotation Devices
Claims Involving Children
Lilly, O'Toole & Brown Blog
Lilly, O'Toole & Brown BlogHurricane Insurance Claim
Your Insurance Coverage May Not Be As Good As You Think
Many homeowners barely give any thought to the details of their property insurance coverage -- until they find out the hard way that their policy isn't what they expected.
For example, many homeowners policies do not cover mold and mildew. In a state like Florida, mold and mildew are almost ever-present within days of storm-caused damage. Indeed, mold remediation may be one of the most expensive repair issues. Yet, many policies exclude coverage for mold remediation unless it is specifically requested -- with an additional premium.
What's known as "law and ordinance" may also be excluded. Let's say your home was built in 1920. It's got old wiring and also doesn't come up to current code requirements. If your home is damaged in a hurricane, and it doesn't include "law and ordinance" coverage, the insurer only has to pay you for the value of the damaged property, which usually is not nearly enough to pay for repairs that will be REQUIRED in order to bring your home up to code. There is no grandfathering for you.
There are any number of other "loopholes" in your policy that may give your insurance company the ability to pay you far less than what it takes to restore your home after a hurricane or other storm event. At Lilly, O'Toole & Brown, we've read -- and litigated -- hundreds and hundreds of homeowners' policies, and if you have questions, about yours, we'd be happy to talk to you about yours, preferably before you have to make a claim. On the other hand, if you do have a claim, we can guide you through the legal lingo of your existing policy to see if you have a viable claim. Don't count on your insurance company's adjuster to tell you how you can use your policy to get a fair recovery. In our experience, many adjusters are more interested in pleasing their masters -- the insurance companies -- than in helping you.
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Lilly, O'Toole & Brown, LLP
800 South Florida Avenue
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Phone: (863) 683-1111
Library
Auto, Truck & Motor Vehicle Accidents
Personal Injury
Wrongful Death
Medical Malpractice
Nursing Home Neglect / Abuse
Product Liability
Insurance Disputes
- HOMEOWNER'S INSURANCE: ARE YOU REALLY COVERED?
- Florida Property Insurers Face Possible Class Action over Broken Promises
Hurricane Insurance Claim
- 9 Must Read Tips for Safeguarding the Outside of Your Home
- 7 Sure-Fire Tips to Prevent Hurricane Damage Inside Your Home
Sinkhole Claims
Drug Cases
Press Releases
- Deputy's Delay in Reporting Murder Tip Prompts Settlement
- Large Blaze Consumes Auburndale Flea Market
