hurricane damage

Hurricane Damage: What to Do If Dorian Batters Your Florida Home

RRBHLAWZENblogHomeowners' Insurance, Insurance Litigation

According to CBS Miami, Tropical Storm Dorian could become a Category 3 hurricane by the time it makes landfall on the east coast of Florida on Monday. Local and state authorities are cautioning residents to prepare for hurricane damage this Labor Day, and part of that preparation means knowing how to handle an insurance claim after the storm passes. At RRBH Law in Miami, we are standing by to assist you with your claim. With over 20,000 insurance claims still open from Hurricane Michael last year, it is critical that you understand how the process works so that you don’t have to wait almost a year to get the compensation you need to rebuild. Here’s what to do if your property suffers hurricane damage from Dorian. Review Your Policy Right now, you should be reviewing your insurance policies. And yes, I do mean policies, plural. With hurricanes, you have to worry about more than one form of damage to your home because flooding is not covered under most homeowners insurance policies. You’ll have to purchase a separate flood insurance policy for that. Unfortunately, according to the South Florida Sun-Sentinel, if you don’t currently have flood insurance, you’re out of luck …

business interruption insurance

Business Interruption Insurance: How Does It Work?

RRBHLAWZENblogInsurance Litigation

Business owners do a lot for our community in Miami. They create jobs and offer essential goods and services. But sometimes business owners need support. In case of disaster, business interruption insurance gives business owners the security they need to continue to do business, to cover their lost income, or both. Let’s look at an example: say a bad storm took the roof off the building where your business is located. Not only is the building now unsuitable for business, but also your merchandise is ruined. Here’s how this scenario might play out if you have business interruption coverage. How Does Business Interruption Insurance Work? In the above example, you would need to replace the value of your merchandise and possibly find a new place to run your business until the building is repaired. With business interruption insurance, both might be covered: Lost income – Business interruption coverage will reimburse you for your damaged merchandise. In addition to replacing the value of your goods, business interruption insurance may also cover the business that you lose because of the damage to your property, for instance, if you have to close for several days or weeks. Insurers will use your financial statements …

common slip and fall injuries

Common Slip and Fall Injuries That Entitle You to Compensation

RRBHLAWZENblogPersonal Injury Lawyer Florida, Slip and Fall

Slip and fall injuries can be serious, even life-threatening. In fact, slip and fall accidents are one of the most common reasons that people visit the emergency room in Florida. If you were hurt because of someone else’s negligence, you might be entitled to compensation. To better understand how to communicate how your injuries have affected you to your doctor and attorney, here are some of the most common injuries that arise from slip and fall accidents. Broken Bones Falls are often forceful enough to break bones. Broken arms, legs, fingers, and hips are common, though slip and fall accidents can result in broken bones almost anywhere on the body. Age also plays an important role in how severe the broken bone is because of illnesses like osteoporosis, though such details rarely matter from a legal standpoint. No matter what age you are, you are entitled to compensation to help you pay for medical treatment. Knee Damage In many slip and fall accidents, victims may twist as they fall, which can cause serious injury to the knees and connected ligaments and tissue. Because knees are intricate, they can take a long time to heal, especially if you hurt the ligaments …