Can My Public Adjuster Act As My Appraiser?

When damage occurs to your insured property, you may not know who to turn to in order to begin the insurance claims process. Many people choose to hire a licensed Public Adjuster to represent them in filing their insurance claim. Your public adjuster is required to help present the claim to your insurance company and be the liaison between you and your carrier during its claims investigation. Many adjusters will Read More

Chili Day in Cutler Bay Sponsored by Barnard Law Offices

On Saturday, January 25th, 2020, Barnard Law Offices came out and showed its support for Cutler Bay's Chili Day. We had a great time being one of the few judges for the chili competition. If you were there, you had an opportunity to enter into our raffle to receive a brand new BBQ grill. Thank you for everyone who came out to say 'hello' at our tent! We can't wait to see you all at the next event! Read More

Old Homes and $10,000 Water Damage Limitation

If you have a home in Florida and its over 40 years old, you may want to check your homeowners policy. In 2014, 74% of all homeowner claims in Florida were as a result of water damage.  As a result, insurance companies had to pay significant amounts to homeowners as they were required to do in order for their policy holders to fix the damages to their home. Since then, insurance companies decided to place limitations Read More

Florida Court to Homeowners: You Need to Pay for Matching Before Your Insurance Company Does

On October 23rd, 2019, the Third District Court of Appeal released an opinion which negatively impacts all homeowners in the State of Florida. It’s generally understood that homeowners are not required to come out of pocket for expenses related to repairing their home for a covered loss. The exception is the homeowner is responsible for paying the policy’s deductible. This understanding was flipped on its head by the Read More

Insurance Companies No Longer Want To Pay Your Attorneys Fees

On October 15th, 2019, Florida’s Senate Committee on Banking and Insurance held a meeting in Tallahassee in order to discuss why there are still 17,000 open Hurricane Michael claims and what could be done to get them closed sooner. The President of Security First Insurance Company, W. Lockwood (Locke) Burt, argued for litigation reform saying insurance companies are barely making profits because of all of the Read More

What is “Actual Cash Value” vs “Replacement Cost Value” in property insurance?

When you’re purchasing an insurance policy for your property you will likely be given many different choices provided by different carriers. Deductibles, coverage amounts, and annual premiums will all vary in different ways. But, it’s important to know how the value of the damage will be measured when its time for your insurance carrier to make a payment for your insurance loss. These options come in two flavors: Read More

Is My Rental Property Covered by my Insurance Policy?

When purchasing insurance for a property you own, you are usually given two different options depending on how you intend to use the property. It’s important to know how you intend to use the property before purchasing insurance as it will dictate what type of insurance will cover you in the event of loss. Will you be using it as a rental property? Will you be using it as a new home for you and your family to live Read More