Appraisal Appeals FAQ

When you buy a homeowners insurance policy, you expect that if anything happens to your property, you will be compensated fairly by your insurance company. But sometimes the claim settlement that the company offers you falls radically short of what you were expecting and sometimes a claim that seems completely reasonable is denied. When these situations occur and you want to dispute what your insurance company says, Read More

Five Documents You’ll Need at Your Examination Under Oath

Whenever you file an insurance claim, your insurance company typically conducts an investigation. They do this for several reasons -- to uncover fraud, but also to find ways they might be able to reduce the claim or deny it completely on a technicality. It’s also likely that part of their motivation is making the process more difficult so that their client is more likely to give up and take a loss.  Part of the Read More

6 Steps to Take to Recover Stolen Property

Not only do burglaries and break-ins leave you without your property, you may also feel violated and unsafe once you’ve been targeted. While nothing but time can heal the psychological damage of victimization, you can take several steps to recover your stolen property. Gather Your Documentation If you have any documentation of your stolen items, keep it readily available. You may need to provide copies to Read More

Four Examples of a Business Interruption Claim

Business interruption insurance comes into play after a commercial property loss. It is intended to add an additional level of protection to cover your business for things that other forms of insurance, like property insurance, cannot. It typically covers things like profits that would have been earned if business was not interrupted, operating expenses like employee wages for the duration of the closure, and the Read More

Loan Amount vs. Insured Amount: What Kind of Coverage Do You Need?

Insurance is a protective measure that safeguards you against permanent loss when a negative event occurs. This is why it is so important to insure your home as well as the balance of your home loan so that you aren’t stuck with the cost of rebuilding and maintaining the loan payments.  Loan Versus Insured Amount “Loan amount” refers to how much you borrowed to buy the property, but it doesn’t always represent Read More

Barnard Law Offices Wins Trial Against Citizens Property Insurance Corporation

On Friday, November 1st, 2019, Oscar Perez and Aliuska Fernandez were able to finally celebrate when they emerged victorious in their lawsuit against her insurance carrier, Citizens Property Insurance Corporation. Thankfully, Mr. Perez and Mrs. Fernandez were represented by Barnard Law Offices. On or about December 8th, 2015, the family's roof leaks in different areas of their home. They hired Barnard Law Offices Read More

2019 Cutler Bay Halloween Spooktacular Event – Re-Cap

Barnard Law Offices had a great time at the 2019 Cutler Bay 2019 event! Thank you to everyone who came out and stopped by our tent for some candy, flashlights, and goodie bags! In case you missed the event, check out some of the photos below! Read More

When Florida Attacks: What to Do When a Sinkhole Damages Your Property

Coastal plains, sandy beaches, rolling hills -- Florida’s beautiful geography is part of its allure. Unfortunately, though, its karst landforms and soluble rocks also make the geography dangerously susceptible to sinkholes. Each year, Florida residents make more than 6,500 sinkhole-related insurance claims.  If a sinkhole occurs on your property, it can be shocking. You should take the following steps to ensure Read More

Barnard Law Offices Wins Trial Against Citizens Property Insurance Corporation

On Friday, October, 4th, 2019, Kandice Simon was able to finally celebrate when she emerged victorious in her lawsuit against her insurance carrier, Citizens Property Insurance Corporation. Thankfully, Ms. Simon was represented by Barnard Law Offices. On or about October 20th, 2015, Ms. Simon had a water leak under her kitchen sink which caused approximately $40,000 worth of damages to her kitchen and living room. Read More

BLO Sponsored Event: Town of Cutler Bay Halloween Spooktacular

Please Join Us on October 25th, 2019, from 6:00-10:00 PM at Cutler Ridge Park for an evening of Spooktacular Fun, Food, and Giveaways at the Annual Cutler Bay Halloween Party! Read More