Free Business Interruption Policy Review

Free Business Interruption Policy Review Amid COVID-19 Shutdowns

RRBHLAWZENBusiness Interruption

Miami, Fla., April 2, 2020 – RRBH Law is offering free policy reviews to business interruption insurance policyholders who have experienced losses because of the coronavirus pandemic. Mandatory stay-at-home orders have shuttered businesses across the country. While necessary to protect the public health of the community, the closures have left non-essential businesses struggling. With beaches already reopening, Florida’s stay-at-home order is set to fully expire on April 30, unless Gov. Ron DeSantis extends it. However, most businesses have already experienced financial loss, and without assistance, many will be forced to close indefinitely. These current challenges that business owners face beg the question: Will business interruption insurance cover any of the losses? Insurance policies are notoriously difficult to understand, so as policyholders read their policies, they may wonder whether any of the provisions included in their policies protect them. The experienced attorneys at RRBH Law—who specialize in insurance litigation, among other areas of law—are offering their services to help policyholders understand in clear, concise language how their business interruption policies deal with the ramifications of COVID-19. The RRBH Law team is asking any business owners who have business interruption coverage to contact their office for their free policy review. To schedule …

From the Founder

RRBHLAWZENPress

Moncy grew up in Key Biscayne, FL and after college and passing the bar has brought his skills as an attorney back to serve his local community to defend their rights against insurance companies in personal injury and property claims cases.  In this episode Moncy shares his story as well as tips on growing a successful law practice and building honest & genuine relationships with clients. https://www.buzzsprout.com/767696/3328093-from-the-founders-attorney-moncy-blanco-herrera-keeping-it-real

Island Insights

RRBHLAWZENPress

In an island where everyone knows your name and the sun shines all year round, there’s one thing that everyone with a connection to Key Biscayne has in common: a love for the island that has meant so much to so many generations. http://keybiscaynemag.com/island-insights/

Miami Attorney Wins Decision on Insurance Policy

RRBHLAWZENPress

Daniel J. Rodriguez of RRBH Law in Miami recently won a decision for two of his clients that helped them get the award they sought from their homeowners’ insurance provider. https://www.prweb.com/releases/miami_attorney_wins_decision_on_insurance_policy_following_irma_damage/prweb16470144.htm

The Protectors

RRBHLAWZENPress

Moncy Blanco-Herrera and the talented attorneys at RRBH Law are the voice of ordinary citizens who seek justice from powerful interests for their loss, pain and suffering. http://keybiscaynemag.com/the-protectors/

Key Couples

RRBHLAWZENPress

Love comes in many forms — but few romances can compare to the perfect pairings in paradise you are about to meet. Herewith: A glimpse into the love stories behind some of Key Biscayne’s most dynamic duos. http://keybiscaynemag.com/key-couples-5/

Top 20 Under 40

RRBHLAWZENPress

We scoured The Magic City to bring you what we deem to be the next generation of business leaders at the tip of The Sunshine State. These young professionals represent a variety of industries and excel at their respective crafts with superior sophistication and their own unique blend of style and savvy http://brickellmag.com/the-2019-top-20-professionals-under-forty/

Young professionals fist bumping for teamwork

3 Ways College Students Can Help Prevent Sexual Assault

RRBHLAWZENSexual Assault Lawyer

We can all help prevent sexual assault, and as the school year starts again this fall, there is no more critical time to learn how. For college students, sexual assault is a problem that affects a large portion of students every year. Undergraduate women aged 18 to 24 are three times as likely to be a victim of sexual assault compared to the rest of the female population. If you’re a college student, learning how to intervene in situations can help keep you and your friends safe. Being an advocate and stepping in to help can make a difference, but you should only attempt to intervene if you feel comfortable. If you feel that someone’s safety is in jeopardy, including your own, call the police. Here’s what you can do to prevent sexual assault as a college student. Be Direct If you are unsure whether someone is in a situation that could lead to sexual assault, the best thing to do is ask them. Questions like “are you alright?” and “do you need me to stay with you?” can signal to the person in need as well as a predator that you’re watching. Create a Distraction Creating a distraction without …

Hurricane Satellite Photo

Hurricane Preparation: It’s Time to Get Ready for the Next Irma

RRBHLAWZENHomeowners' Insurance, Insurance Litigation

Hurricane preparation requires planning and some investment, but knowing that your home will be less likely to sustain damage is worth the money and effort. Here are some of the essential preparations you need to make: Secure Your Home Strap down your roof. Many homes in Florida are designed to account for hurricane strap installation. However, if your home is older, you might need to retrofit your roof so that you can take this necessary precaution and prevent damage to this integral part of your home. Install head and foot bolts on your external doors. Extra security for your home’s entrances is a good idea. These bolts will keep your doors from flying open or detaching in high winds. Purchase storm shutters. Storm shutters protect your windows from being broken by flying debris and high wind pressure. You can buy shutters that are commercially made, or you can make them yourself. Be sure to use reinforced plywood that is at least five-eighths of an inch thick. Make windows and doorways watertight. Water that seeps into your home’s structure through cracks in door jambs and window fittings can cause serious water damage. The influx of moisture into the walls can also …

Room with billiards table homeowners insurance coverage

Do I Have Enough Homeowners Insurance Coverage?

RRBHLAWZENHomeowners' Insurance, Insurance Litigation

Determining how much homeowners insurance coverage you need can be a difficult process, but if something should happen to your home, being as accurate as possible is definitely worth the time and effort it takes. If disaster hits, you’ll want to not only have enough to rebuild the structure of your home but also to replace belongings, to cover living expenses while you rebuild, and to protect you against liability. Here’s what you need to consider when buying homeowners insurance coverage: Factors That Will Impact How Much Coverage You Need A standard policy covers things like damage from storms, fire, and explosions. If flooding and earthquakes are common to the area you live in, you’ll need to purchase additional coverage. You’ll want to make sure that the coverage you buy is adequate to completely rebuild your home. If your coverage is based on your mortgage amount—as required by some lenders—be sure that the amount is equal to or greater than the cost to rebuild. To calculate costs, do some research on the following: The total square footage of the structure (or structures if you have multiple buildings) Local construction costs Once you have these two figures, simply multiply them for …

Firefighters taming fire

Don’t Have Fire Insurance? According to the Experts, You Might Need it

RRBHLAWZENHomeowners' Insurance, Insurance Litigation

Does homeowners insurance cover fire protection to a sufficient degree? This is a question that every homeowner needs to ask because it’s often the case that policies are inadequate for the value of the home and possessions they cover. For those who dwell near the Florida Everglades, the risk of fire damage is especially high during the dry season, and while wildfires are only a single cause of house fires, last year’s wildfires in California could foreshadow a similar event here in Florida, according to fire experts. The Example of California Damage claims from the wildfires that swept through wine country in California last October reached upwards of $9 billion, the highest in the state’s history. The dry climate—30 inches of rainfall, annually—and mountainous terrain in California made containing the blaze difficult. Florida, which receives 50 to 60 inches of rainfall per year, is less at risk for catastrophic fires, though the dry winter this year increases that risk substantially. “Florida has a Mediterranean climate much like California and probably is the most fire-prone state in the Eastern U.S.,” Jim Karels, Director of the Florida Fire Service, recently told the Orlando Sentinel. “We are going to be looking at a …

Person alone in room with head down

Sexual Assault Awareness Month: How You Can Help

RRBHLAWZENSexual Assault Lawyer

If the past year and a half has taught us anything, it’s that tolerance for sexual assault is slowly eroding. Harvey Weinstein, Michael Orestes, Bill O’Reilly, Larry Nassar, Roger Ailes, Mark Halperin—these are the names of some of the men who have recently come up against this cultural sea change and lost. With the help of social movements like #MeToo, the country is now grappling with the issues of sexual assault and sexual harassment openly and passionately. The current conversation was a long time in the making, though, and it wasn’t without casualties. In fact, in retrospect this watershed moment seems to have taken too long to arrive. As screenwriter Scott Rosenberg, who has written about the fallout from the Weinstein revelations, writes, “Maybe we didn’t know the degree. The magnitude of the awfulness. But we knew something.” The truth is Weinstein and these others got away with their actions for decades because nobody said anything. In these situations, people know, but if nobody says anything, nothing can be done. If a person hears or sees something bad happening and does nothing to stop it, what does that make that person? Part of the problem. We can all do better …

raindrop closeup on car window in downtown street

6 Things to Avoid after a Car Accident

RRBHLAWZENVehicle Accidents

If you’ve ever been in a car accident, you know how confusing and chaotic things can get. On the other hand, if you’ve never been in one, you might not know that you are responsible for certain things. Here’s what you should avoid doing after a car accident. Don’t Neglect to Report the Accident Sometimes, a car accident isn’t that serious. Maybe there was only a scratch. Maybe there’s a sizable dent in both cars, but you both agree not to call the police and file a police report because you think it’s a hassle. You’d rather let the insurance take care of it. Here’s why that’s a bad idea. It’s probable that you don’t know a thing about the other driver. Are you sure that they even have insurance? Perhaps they gave you false information, or their policy lapsed, or they don’t have proper coverage. What if they have active arrest warrants? It’s also possible that you or they were injured without realizing it. As many as one in seven people does not have car insurance, and when you get into an accident with them, you’ll be left holding the bill. Not to mention that accident reports can speed …

Person riding bike in the rain

My Business Interruption Insurance Won’t Pay: What Should I Do?

RRBHLAWZENInsurance Litigation

When you purchase business interruption insurance to cover your lost income following a disaster like Hurricane Irma, you expect your insurance company to be there for you. You hope that you’ll never actually need the coverage, but when you do, you want to know that you’ll be taken care of. Unfortunately, many people have reported that their insurance providers have denied their coverage even though their businesses had to close for days or even weeks. When things like this happen, it’s important to stop, think, and act to make sure your interests are being represented. Your insurance provider might think that it can get out of paying for your lost business because of a technicality, but if you are smart about how you do things, you might get the payout you deserve to support your business. Here’s what you should do if your business interruption insurance denies your claim: Keep Your Records Straight When you’re making a claim for business interruption insurance, you needs to show how your business was impacted. Usually, your physical property has to be damaged by a disaster in order to qualify for a claim. It’s important to document the damage extensively. Be sure to take …

settlement results for personal injury

Settlement Results For Personal injury: Case Examples

RRBHLAWZENPersonal Injury Lawyer Florida

Below are examples of our settlement results for personal cases.   Each case is different and your results may vary but you can be confident that our attorneys will fight for your rights. $500,000* settlement for a trip and fall at a confidential retail store. Client tripped and fell injuring her elbows and right knee that required surgical intervention. Mr. Blanco-Herrera was able to secure the Plaintiff a $500,000.00 settlement. $200,000* Plaintiff was riding a scooter and was hit by a motor vehicle. The Plaintiff fractured his ankle as a result of the accident. Mr. Blanco-Herrera was able to secure the Plaintiff a $200,000.00 Settlement without having to secure surgery to that ankle. $100,000* Plaintiff was driving her motor vehicle on Alligator Alley when she was hit by a teenage driver causing neck, and left knee injuries. Mr. Blanco-Herrera was able to secure the Plaintiff a $100,000.00 Settlement without having to undergo surgery. $390,000 Plaintiff was a passenger in a vehicle that was sideswiped by a recycling truck. Plaintiff injured his neck and required a cervical fusion. Mr. Blanco-Herrera was able to secure the Plaintiff a $390,000.00 settlement. $125,000* Plaintiff was sitting in a parked vehicle when she was sideswiped by …

Rainy street and single family, ceiling water damage covered by insurance home

Is Ceiling Water Damage Covered By Insurance? If Not, Do This

RRBHLAWZENHomeowners' Insurance, Insurance Litigation

Is ceiling water damage covered by insurance? They may try to deny your claim. If they do, don’t hesitate to take these steps. If there’s anything we homeowners are familiar with here in Florida, it’s water damage from storms. When a leaky roof leads to damages to your home and your belongings, you hope that you can count on your insurance to cover the costs to replace and repair your home and your stuff. Unfortunately, it’s not always as simple as filing a claim and waiting for a check in the mail. Because homeowners’ insurance policies differ from person to person and the fine print of your policy can be difficult to follow, you might not be as protected as you think. So what should you do if your insurance won’t cover water damage from your leaky ceiling? Here are four actions that you can do now. Get Ceiling Water Damage Covered by Insurance Document Everything It is essential to document everything that you can to illustrate the extent and severity of the water damage from your leaky roof. Do this as soon as you notice the damage and as you notice more damage. Because water damage can go undetected …

Cruise Ship injury in the tropics

Cruise Ship Injury: Taking a Winter Cruise? If You’re Hurt, Who is Liable?

RRBHLAWZENPersonal Injury Lawyer Florida, Slip and Fall

What better way to spend a few weeks in winter than by taking a cruise? While so many people across the country are trying to stay warm, you could be enjoying a second tropical summer. Unfortunately, many people who book passage on one of these luxury liners suffer falls or accidents. In fact, in recent years cruise ship injury can’t have been far from mind. With incidents involving the ship named Triumph, which was owned by Carnival Corporation, and the Costa Concordia disaster off the coast of Italy, it’s no wonder that people might be wary of boarding one of these hulking ships. If you’re planning to take a cruise in the near future and want to protect yourself from cruise ship injury, keep this post in the back of your mind. Hopefully, you won’t have to use this information, but here are a few common situations in which the cruise ship could be held responsible for your suffering. Slipping on the Deck Sometimes, people just fall. But don’t just assume that because you fell and sustained an injury that it couldn’t have been prevented. When you’re on board a cruise ship, it’s the cruise liner’s responsibility to keep walkways …

Depressed person sitting on windowsill. Florida cyberbullying laws can help prevent the consequences of bullying.

Florida Cyberbullying Laws: Can It Legally Be Stopped?

RRBHLAWZENUncategorized

As the opportunity to connect with others at the touch of a button continues to grow in the world and our children gain access at younger and younger ages to electronic forms of communication, we must consider the ramifications of cyberbullying. Here in Florida, cyberbullying is a big problem for children and teens, just as it is a problem across the nation. But what are the Florida cyberbullying laws? Can this harassment be stopped through legal means? What can you do to protect your children from the cruelty we so often see on the news? What is Cyberbullying in Florida? First, we need to understand what cyberbullying means in a legal context in Florida. Thankfully, Florida is one of the few states that legally defines cyberbullying. According to the Florida statutes, cyberbullying is “bullying through the use of technology or any electronic communication.” The law goes on to define cyberbullying against a student as behavior that: causes a student to feel reasonable fear of harm to body or property; interferes with academic performance and educational benefits; or disrupts the daily order of the school. This behavior can include the use of: email; fax; internet; and instant messages. Like other forms …