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Articles

Alternatives to Guardianship in Florida

Guardianships can sometimes be necessary to provide care to a loved one who no longer has the capacity to make decisions for themselves. However, guardianship is typically only used as an option of last resort, as it strips an individual of all legal autonomy.

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Are Changes Coming to Florida's Roofing Codes?

Roof damage is frequent in Florida, especially with summer storms, hurricanes, and tropical storms. Presently, if 25% or more of a roof is damaged within a 12 month period, insurance companies are required to replace the entire roof.

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Mandatory Arbitration Clauses in Insurance Policies

American Integrity Insurance Company has been approved by the Florida Office of Insurance Regulation to permit discounts for homeowners who agree to arbitration within their policies.

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Do I Need to Maintain My Property to Comply With My Property Insurance Policy?

Homeownership comes with many responsibilities, one of which is property maintenance. It is important to conduct maintenance on your property frequently to discover and fix any potential issues before they become larger problems, but also to ensure if a property damage claim arises, it will be covered.

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When Should I Contact an Attorney for My Property Damage Claim?

Insurance companies are a business and their prerogative is to make a profit, which means it is not uncommon to see rightful claims denied.

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Millennial Woes: Unaffordable Housing and Skyrocketing Property Insurance Rates Are Destroying the American Dream

Millennials are familiar with financial struggles, with the eldest of the generation facing the brunt of the 2008 Great Recession and the youngest faced with the reality of being priced out of the housing market.

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Protecting Your Home From Wildfires

As Florida's population has continued to increase, so have developments stretching into areas that were once a part of the Everglades. Fires in these areas are natural to Florida's ecosystem and have occurred seasonally for hundreds of years.

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Property Insurance Fraud: How Common is it and is it Really to Blame for Florida's Property Insurance Crisis?

Property insurers throughout the state have continued to push the narrative that the reason for lost profits and sky-rocketing rates is fraud committed by public adjusters, roofing contractors, mitigation companies, and attorneys.

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Homeowner's Insurance Crisis and Seniors

Florida has one of the highest senior populations in the United States, and that population is only growing.

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Jacksonville Jaguars File Suit against Property Insurer

The Jacksonville Jaguars have filed suit against their property insurer, Axis Surplus Insurance Company. The Jaguars have alleged that Axis wrongfully denied coverage after they reported a claim related to COVID-19 losses.

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Florida Office of Insurance Regulation to Allow Roof Deductibles

The Florida Office of Insurance Regulation is the office in charge of insurance regulation throughout the state of Florida.

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What Happens if there is No Will, or an Incomplete Will?

It is not uncommon for individuals to pass away without a Will. When an individual does not have an estate plan, the property is passed "intestate."

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Russia's Attack on Ukraine: Impacts felt in the Insurance Industry

The global economy already faced uncertainty due to COVID-19, but the Russian-Ukrainian conflict has placed further pressure upon the economy. While the crisis faced in Ukraine may seem worlds away, there will likely be impact felt in America, even in the insurance realm.

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What Is a Personal Representative?

Probate can be a complicated process with many moving parts. One of the terms you may frequently hear is personal representative. The personal representative is in charge of administration of the entire probate estate.

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What Is Ancillary Probate?

Florida is known for its beautiful beaches and sunshine, attracting a large migratory population who may own property here as well as in another state. If somebody legally resides in another state but still owns property in Florida, it may create an ancillary probate situation.

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Does My Property Insurance Cover Damage Caused by a Tornado?

Florida's weather can be relentless and unexpected, especially as we head into the summer months. Although Florida is not necessarily known for tornadoes, they can happen and be extremely dangerous and damaging.

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Is my Claim Being Underpaid?

Insurance is typically purchased to be used when the worst happens to cover the unthinkable, but it is not atypical for insurance companies to underpay these claims and is not always obvious until repairs have been undertaken.

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Florida's Property Insurance Crisis: An Update

The Florida legislature did not pass the two bills they had on their docket after failing to come to an agreement.

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Citizens Property Insurance Policy Changes

The Florida Legislature and Insurance Companies are less concerned about the cost and stress for homeowners in Florida to repair their homes after wrongful denials of claims and more concerned about their bottom dollar.

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What is an Assignment of Benefits?

Property damage can be costly and unexpected and often requires immediate attention.

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What is Probate?

Probate is the court supervised process by which a deceased individual, known as the "decedent," has their assets transferred to those designated or legally entitled to the. The persons designated or legally entitled to the assets are known as the "beneficiaries."

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Property Damage and Living in the Lightning Capital of the United States

Florida was once again named the "lightning capital" of the United States after experiencing an average of 223 lightning strikes per square mile.

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Citizens Property Insurance Policy Changes

The Florida Legislature and Insurance Companies are less concerned about the cost and stress for homeowners in Florida to repair their homes after wrongful denials of claims and more concerned about their bottom dollar.

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The Florida Insurance Company Crisis

Over the past few months, at least a dozen insurance companies have been liquidated, dropped customers, or left the state of Florida, leaving hundreds of thousands of Floridians scrambling for insurance. Insurers cite lost profits, despite premiums in the state being nearly double what they are in the rest of the country, and many Floridians have been faced with the reality of their insurance premiums surpassing the cost of their mortgages.

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Property Damage and COVID-19

In the beginning of 2020, many businesses were forced to shutter their doors due to the outbreak of COVID-19. As society has grappled with dealing with a pandemic, businesses have also grappled with dealing with outbreaks, resulting in expensive sanitization practices and even temporary closure.

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What is a Sworn Proof of Loss?

Insurance companies have a list of obligations for homeowners to adhere to after their property is damaged. One of these is a Proof of Loss statement.

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A New Bill is Attempting to Increase Florida Courts Power Over Guardianships

A new bill is making its way through the Florida legislature that would potentially increase the power given to legal guardians in Florida.

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Lawmakers Consider Additional Changes to Florida Property Insurance Laws

There was an overhaul to the property insurance scheme in Florida last year, which helped the insurance companies more than Florida homeowners. Homeowners have continued to face troubles finding adequate and affordable coverage for their properties.

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How to Prepare for the Worst: Keeping Your Documents in Case of Disaster

Most homeowners have property insurance, but don't know what to do to be prepared to use it. Florida's weather temperament and its many natural disasters take a toll on our properties.

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Guardianships Can Be Tricky

Britney Spears, the iconic pop-star of the early 2000s, has recently been freed of her conservatorship. Although each state has its own individual laws regarding guardianship cases, the #FreeBritney movement has brought to light the world of guardianship law and cases.

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What Happens if my Insurance Company Fails to Match my Undamaged Property's Colors?

Living in Florida, roof leaks are commonplace and can result in major damage to the interior of your home, including damage to your flooring or interior walls.

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Hurricane Preparedness: It's Never Too Early

We still have six months until the start of hurricane season, but with another busy season predicted for 2022, homeowners should be prepared in case of a storm that causes damage.

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What Should I do if My Property is Damaged?

When there is an emergency situation involving damage to your property, the last thing you think of is whether your insurance will cover the damage.

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New Law Affecting Homeowners Insurance Claims

On July 1, 2021, a new bill went into effect significantly impeding homeowner's rights against their homeowner's insurance carriers.

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Crucial Law Update on Your Homeowner’s Insurance Claims

United States Court HouseLast week was a crucial week in the area of homeowner’s property claims and the ever changing laws in this area. There were two decisions and a key Bill which passed the Florida legislature that you should be aware of when dealing with a homeowner’s insurance company for a loss suffered at your property.

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Hurricane Irma Claims Still Pending

Stormy sky Almost ten months later and there are still nearly 100,000 claims which remain open throughout the State of Florida from Hurricane Irma damage, according to the Florida Office of Insurance Regulation.

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Insurance Companies are Out Of Time

Aerial picture of neighborhood If your home was impacted by Hurricane Irma and you filed a claim, but you still have not heard from the Insurance Company, your claim may be ripe for suit.

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Homeowner’s Claim Prevails

House ceiling with water damage A very favorable case for Plaintiff’s who’s homeowner’s insurance claims were denied, delayed or underpaid has come out of the 5th DCA recently. 

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Ancillary Probate

EstateWhen a loved one dies while living in another state, but at the time of death owned assets in Florida, was due credits from Florida residents, or had a valid lien on a Florida property, a probate proceeding may be necessary in Florida. 

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Estate Planning Excuses

Power of attorney document with gavel I often hear some of the below reasons when broaching the subject of estate planning. “I can just use a form from the internet to

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What to do After a Hurricane

Beach with stormy sky Now that Hurricane Irma, the worst hurricane in American history has passed, it left behind quite a mess. But, now that the power is back

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Client Reviews
★★★★★
"I was told by my insurance adjuster that Rina was a fabulous attorney who will fight hard for her clients and he was right. She did an outstanding job communicating with me throughout a stressful negotiation process and I was so happy with the settlement she got for me. Highly recommend the Law Offices of Rina Feld!” Mark L.
★★★★★
I had water damage to the inside of my home and homeowners insurance automatically rejected my claim. After giving up fighting them on my own i contacted Rina and she petsonally discussed options and explained the procedure. After about 4 months my claim was resolved , Rina worked pro bono so did not cost me a penny. I now have new ceilings ! Thoroughly recommended. Christopher D.
★★★★★
Rina is very efficient. She always kept me updated and worked very quickly. She took the time to explain everything thoroughly and made sure that I understood, although my primary language is Spanish. Mariel C.