Must a policyholder receive a final determination of coverage and damages before filing a bad faith claim against the insurer under Florida law?

When a term is not defined in a policy, courts generally go to a standard desk reference since that is what the average insured would do.

An insured may think its entitled to separate counsel, but the carrier may disagree. Who wins?

An insured may think its entitled to separate counsel, but the carrier may disagree. Who wins?

The insured's materials, supplies and equipment are covered property; property not being installed like buildings land or completed projects is not covered.

Agreed value is also referred to as agreed amount. The agreed value endorsement in a property insurance policy waives the coinsurance clause.

Agreed value is also referred to as agreed amount. The agreed value endorsement in a property insurance policy waives the coinsurance clause.

It may be necessary to comb through the relevant policy language to determine whether family members or part-time residents are covered after an on-premises loss.