Insurance Dispute Lawyer Blog

NYT article highlights insurance companies reluctance to advance coverage

Published on: April 16, 2009 | By Berniard Law Firm

A recent New York Times article helps highlight just how far behind insurance companies are to innovations of modernity and innovation. Highlighting the cases of several cancer patients who were forced to go out-of-pocket to receive convenient oral treatments rather than in-house intravenous, etc., care, the NYT highlights how insurance companies rely on redtape and a lack of federal demand to innovate to demonstrate how the average citizen who, until they fall into crisis, believe they are fully covered suddenly are required to provide their own money for reasonable remedy:

Pills and capsules are the new wave in cancer treatment, expected to account for 25 percent of all cancer medicines in a few years, up from less than 10 percent now.

The oral drugs can free patients from frequent trips to a clinic to be hooked to an intravenous line for hours. Fewer visits might save the health system money as well as time. And the pills are a step toward making cancer a manageable chronic condition, like diabetes.

NYT 9/11 Report Shows Lawsuits Can Help Get More Compensation.

Published on: April 15, 2009 | By Berniard Law Firm

Per The New York Times, “After the 9/11 terror attacks, thousands of people faced a weighty and uncomfortable decision. Congress had created a special fund to compensate survivors and victims’ families, but said that those who received compensation from it could not sue airlines or airport security firms, among other entities.”

While many families who lost a loved on in the attacks “sought compensation from the fund” a “new court report suggests that the small minority who went their own way and sued made out better financially: 93 of the 96 claims have been settled, for an average of $5 million, or more than twice the average payment from the special fund.”

This correlation can be found now in settlement struggles between people still fighting with their insurance companies with Ike and Gustav hurricane claims who did it without legal assistance. Insurance companies very often “lowball” or under-appreciate the value of homes and property damaged in incidences. With legal assistance, experts and courtroom litigants, individuals run a much better chance of receiving higher compensation. While, in this case, it was the government pressuring settlement, insurance companies have a proven trackrecord of manipulating and exerting pressure on their clients to accept their offers rather than pursue legal assistance. However, in the event your property or home is damaged under insured events, seek a legal expert who can get you the financial settlement you deserve.

Chinese Drywall discovered in homes post-Katrina

Published on: April 14, 2009 | By Berniard Law Firm

The inevitable results of the importation of faulty Chinese drywall into a state that required heavy construction at the result of Hurricane Katrina has officially emerged. As reported widely by the Associate Press and other media outlets, Louisiana officials feared that Katrina’s devastation had severely raised the odds that Chinese drywall would be a painful reality for individuals who had rebuilt since 2005. Now personal accounts are emerging that show this drywall issue is not limited to Florida but, rather, is officially here:

Hurricane Katrina victims who used cheap Chinese-made dry wall to rebuild their homes may have to rebuild all over again to correct severe problems.

Wallboard from China that contains sulfur is wreaking havoc in homes, charring electrical wires, eating away at jewelry and possibly even sickening families.

2008 Tax Break Reminders

Published on: April 13, 2009 | By Berniard Law Firm

2008 tax reminder from KATC –

Louisiana homeowners have several ways to save money on their 2008 taxes.

State Insurance Commissioner Jim Donelon is reminding homeowners that they can get a tax rebate if they were charged a Louisiana Citizens Property Insurance Corp. assessment last year. Some homeowners are eligible even if they don’t owe taxes.

Lawmakers meeting with homeowners over Chinese Drywall

Published on: April 10, 2009 | By Berniard Law Firm

Two of Florida’s elected representatives met with homeowners to discuss the federal government’s interest and action regarding Chinese drywall. The drywall, imported and said to cause corrosion and a myriad of health problems, has been discovered in homes all around the Gulf Coast region and appears to be a problem that is not going away:

Two Florida lawmakers met with homeowners yesterday in West Palm Beach to discuss the state’s Chinese drywall problems. Attendees told Rep. Robert Wexler, D-Boca Raton, and Sen. Bill Nelson, D-Fla., that they were most concerned about health problems posed by the sulfur fumes the drywall is emitting.

The Florida Health Department has received over 150 complaints of Chinese drywall that emits a “rotten eggs” odor and causes metals, such as air conditioning coils, to corrode. In some homes, the drywall problems have been so severe that families have had to move, and some builders have begun gutting and replacing drywall in the buildings. It is estimated that the defective material could have been used in as many as 36,000 homes in the state.

Associated Press Video On Chinese Drywall

Published on: April 9, 2009 | By Berniard Law Firm

Video published by the Associated Press on the Chinese Drywall issue facing much of the Gulf Coast area.

http://www.youtube.com/watch?v=5kHq_H3l7aE

The more and more information that comes out on this stuff the worse it looks. The health effects of Chinese Drywall and the damage it is causing new homes, including corroded fixtures and structural harm, is stunning really.

Insurance Companies Delaying Rebuilding Efforts

Published on: April 8, 2009 | By Berniard Law Firm

A recent article by Houston’s Chronicle highlights the delays being faced by Texas property owners in the wake of Hurricane Ike. Not surprisingly, almost all involve insurance company delays:

LIST OF COMPLAINTS

Top five reasons Texas homeowners have lodged Ike-related complaints against the Texas Windstorm Insurance Association, as of March 12, and the number of complaints.

Breaking News: Katrina claims may be reopened as deadline extended

Published on: April 7, 2009 | By Berniard Law Firm

In an extremely important ruling made by the Louisiana Supreme Court, citizens of Louisiana have an extended time period to press litigation against insurers for Katrina-related delays or judgements relating to storm damage and insurance company actions:

Louisiana Citizens Property Insurance Corp. and other insurers may face a new round of lawsuits related to Hurricane Katrina even though the deadline for filing expired a year and a half ago.

The Louisiana Supreme Court declined late last week to hear an appeal in the case of Brenda Pitts v. Louisiana Citizens, thereby allowing a lower court decision favorable to policyholders to stand.

Deadline for FEMA assistance for home elevation extended

Published on: April 7, 2009 | By Berniard Law Firm

Per The Times-Picayune, FEMA has delayed the deadline to 2012 for collecting insurance money designated for the elevation and protection of homes in Louisiana:

Because of the slow flow of other federal money, such as Road Home grants, FEMA had already pushed back the deadline for home-raising work under the National Flood Insurance Program’s Increased Cost of Compliance provision.

Typically, to collect up to $30,000 in so-called ICC money to cover the costs of protecting their property from future storms, rebuilding homeowners have two years from the date that their property is declared “substantially damaged” to complete the relevant work. FEMA had already extended that to four years.

Gustav: Seven Months Later

Published on: April 6, 2009 | By Berniard Law Firm

While exact estimates are not exact to report, it is important to remember the damage of Gustav seven months later. This article, dated September 3, 2008, summarizes the hardship Gulf Coast residents faced

Storm-ravaged homeowners in the path of Hurricane Gustav will file an estimated 175,000 wind- and flood-damage claims with insurance payouts likely to top $5 billion, the Consumer Federation of America reported Wednesday.

Actual damages to covered property could range from $2 billion to $10 billion, according to industry estimates for the storm, which continues to dump rain and high winds across Oklahoma and parts of the Southeast.