Health insurance companies, in an effort to protect profits, are using step therapy with more frequency. Step therapy is the insurance practice of requiring policyholders to try cheaper treatments before they can use more expensive ones. Insurers can require step therapy even when the policyholder’s doctor concludes that the less expensive treatments will not work […]
Read MoreFlorida insurance agents are often licensed and appointed agents of the insurance companies for which they sell insurance. Insurance agents owe a duty to their customers to exercise reasonable skill, care and diligence in evaluating their insurance needs. If an agent breaches this duty, and the customer is harmed by the agent’s failure to use […]
Read MoreMost homeowners escrow the insurance premium for their homeowners insurance. Under this arrangement, the homeowner’s mortgage lender bills the homeowner each month for the principal and interest owed on the mortgage, as well as the amount owed for the monthly insurance premium to insure the home. In doing so, the mortgage lender agrees to timely […]
Read MoreMortgages often contain fee provisions that allow the lender to recover attorney’s fees in the event the lender has to bring legal action against the homeowner. The fee provisions are often one-sided, however, and provide that the lender can recover fees, but say nothing about the rights of the borrower to collect attorney’s fees if […]
Read MoreProton therapy is one of the most advanced methods for delivering radiation to cancerous tumors. In the most basic terms, radiation damages the DNA of the cancerous cells, which often impedes the cell’s ability to divide and grow. The advantage of proton therapy over traditional radiation treatment is that proton therapy is designed to deliver […]
Read MoreSometimes lenders foreclose on a home for all the wrong reasons. Liggio Law does not focus its practice on foreclosure defense. Instead, we represent homeowners who have been harmed by lenders who wrongfully bring foreclosure actions. We often do this by bringing a counter-claim against a lender who has brought an improper foreclosure action against […]
Read MoreMany homeowners policies are referred to as “all perils” policies which insure against a broad scope of damages with certain limitations, or “exclusions” contained in the policy that list items not covered. When it comes to water damage, policies often cover damage to the property caused by “accidental discharge” or “overflow of water or steam.” […]
Read MoreA health insurer’s decision to approve or deny a treatment or procedure can have profound effects on the well-being of the insured. Consider, for example, the Watchman Device. Persons who suffer from atrial fibrillation, for example, are at greater risk of stroke due to an irregular heartbeat. When blood pools or collects in left atrial […]
Read MoreIn Florida, like in most states, homeowners can sue their homeowners insurance company when the insurer wrongfully denies a property damage claim. Insurers deny claims for many reasons. An insurer’s denial of a claim often can violate the terms of the insurance policy. When this happens, the homeowner can sue the insurance company for breach […]
Read MoreImagine that in 2017, after Hurricane Irma came through Florida, your home or commercial property sustained roof damage from Hurricane Irma’s 90 mile per hour winds. During this hurricane, many areas in Florida saw sustained winds, but did not experience substantial rainfall that is common in most hurricanes. Now imagine days later, after Hurricane Irma […]
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