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Three Major Insurers Face Building-Permit Lawsuits

The Hurricane Law Group, a law firm dedicated to legal matters involving hurricanes and natural disasters, recently filed three requests for class-action lawsuits against Allstate Floridian, Citizens

By Eric Gilkey | Updated on February 28, 2007

The Hurricane Law Group, a law firm dedicated to legal matters involving hurricanes and natural disasters, recently filed three requests for class-action lawsuits against Allstate Floridian, Citizens Property Insurance, and State Farm, alleging that the three insurance companies breached their homeowners’ insurance contracts by not paying for building permits related to damaged or replaced roofs.

According to the suits, which were filed on Monday in the Florida counties of Hendry, Miami-Dade, and Broward, the three companies all used similar HO-3 “all perils” forms from the Insurance Services Office for their homeowners’ policies. As part of these forms, there is specific language that details how non-excluded events and expenses would be covered by the insurance companies. The Hurricane Law Group alleges that the expenses incurred by homeowners to obtain the building permits should have been included as part of coverage by the three insurers, but were not.

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