Skip to content

Posts by Warhurst Law

Replacement Cost Value vs. Actual Cash Value

It’s crushing when a fire, hurricane, tornado, flood, or other disaster destroys your home. Most homeowners don’t’ want to relocate after a disaster. They want to repair or rebuild their home as quickly as possible because homes are about families and connections. Homes are more than just walls and roofs. Some disasters cause so much…

Read More

What Does Warehouse Legal Liability Cover?

Under the United States Uniform Commercial Code (UCC), the owner/operator of a warehouse assumes responsibility for any damages of losses to the contents within the structure. Warehouse legal liability insurance will cover the loss of items if the loss is related to the negligence of the warehouse employees. It can also be used to cover…

Read More

How Does Florida Define a “Total Loss”?

Hurricanes, tornadoes, fires, and other events can cause so much damage to a home or building that the cost of making repairs is simply too high. The logical choice is not to fix the roof, add on aluminum siding, or empty out the basement from water damage. The logical choice is to declare the home…

Read More

Is a Fallen Tree an Act of God?

When a tree falls down, it can easily cause a lot of damage to a person’s property. It may land on a person’s home or vehicle, causing extensive damage that would cost thousands of dollars to fix. Before determining who is responsible for the fallen tree, it is important to know if it is considered…

Read More

Matching Protections for Hurricane Michael Losses

When your home is rebuilt or repaired after a hurricane such as Hurricane Michael, you have the right to expect that the job is done professionally. Storms and natural disasters don’t choose their path of destruction with the cosmetics or functional use of your home in mind. They damage everything in their path. It’s up…

Read More

Are You Still Fighting for Your Hurricane Michael Insurance Claim?

If you are still fighting an insurance adjuster over your Hurricane Michael insurance claim, Warhurst Law can help. We work on contingency fees, based on where your claim is in the claim process. It seems that after every catastrophe, many law firms claim to be “hurricane, tornado and/or fire lawyers” primarily representing policyholders. A close look…

Read More

The Role of the Adjuster in Insurance Claims and Disputes

Insurance claims adjusters (also called “insurance adjusters” and “claims specialists,” depending on the company) are assigned by the insurance company to investigate your claim, with the ultimate goal of settling it. They work for the insurance company, and handle homeowner’s claims, vehicle accident claims, disability insurance claims, and other types of policy claims. Sometimes, an…

Read More

The Most Common Exclusions in Homeowners’ Insurance Policies

Buying a home is exciting; putting a claim in for an insurance loss is, admittedly, less so. Homeowners need to understand what the homeowner’s insurance policy does and does not cover. Many policies are named peril plans. These policies itemize what damages are covered and what events are covered. Anything that is not on the…

Read More

How Depreciation Can Affect Your Insurance Settlement Offer

The value to replace your home, contents, or any additional structures depends on what type of policy you have, and what needs to be replaced. Over time, both the structure and the contents will be subject to wear and tear. This depreciates the value of those structures and objects. Much like a new car driven…

Read More

Common Pitfalls Policyholders Face in the Event of a Loss

It’s tempting to think if you buy a standard policy that you’ll be covered for all types of damage from hurricanes, fires, theft, tornadoes, and any type of natural disaster or accidental damage. Coverage, though, is a broad term. The insurance company will make every effort to limit your claim. The best remedy is to…

Read More
Text Us251-207-1296