Hogan & Hogan, P.A.

Homeowner's Insurance                                                                                              

Assistance for homeowner’s whose homes have been damaged by windstorm or other covered causes.  

Hurricane Damage  ♦   Hail Damage  ♦   Fire Damage   ♦  Mold Contamination

                          Sinkhole Damage  ♦  Water Damage  ♦  Windstorm Damage                                 

You purchase homeowner’s insurance to protect your home from unforeseen damage – windstorm damage to your roof, damage to your cabinets and floor from a water leak, theft, and fire damage.

Often, we see insurance companies deny home insurance claims using standard “form” denials such as “the loss was normal wear and tear” or was caused by “improper installation.”  Usually the insurance companies rely on hired guns, adjusters who are paid by and rely on work given to them by the insurance company.  These adjusters, for the most part, understand that their job is to deny claims if at all possible – in order to keep receiving work from the insurance company.

If your claim was denied, partially denied, or you were paid an amount insufficient to repair the damage, we can help and will work on a contingency fee basis.  Because homeowner’s insurance policies are very complicated with numerous contractual obligations assigned to you, the insured – many with time deadlines, it is important that we are consulted as early in the claim as possible.  Read More.

Auto Insurance / Personal Injury                                                                                  

Assistance for people injured in an automobile accident or those whose insurance has wrongfully denied their claim.

Auto accident   ♦    Wrongful death   ♦   Slip and Fall     

If you are injured in an automobile accident, you probably have numerous questions.  Who is going to pay for my medical treatment?  How am I going to fix my car?  What if I can’t go back to work – how am I going to pay my bills?

Answering those questions requires knowledge of the different types of auto insurance coverages and the interaction between the at-fault driver’s insurance and the driver who was not at fault.

In Florida, you are required to have personal injury protection insurance.  This is “no-fault” insurance that covers medical expenses if you are injured in a car accident.  It is “no-fault” because it pays for your medical treatment even if you caused the accident.  Read More.

Assistance for farmers or nurseries whose insurance has wrongfully denied or underpaid a covered claim.

Agriculture law, and specifically agriculture insurance, is different than what most individuals are used to and comfortable with due to the historical and significant involvement of the federal government in agriculture.

Our agriculture department deals primarily with federal crop insurance programs and private crop insurance programs.  The federally crop insurance program has gained “popularity” among farmers following the enactment of the Federal Crop Insurance Reform Act of 1994 which makes coverage a prerequisite to be entitled to benefits and assistance from other federal assistance programs.  Read More.

Life Insurance / Disability Insurance                                                                           

Assistance for insureds under ERISA or non-ERISA – primarily those with employer sponsored policies or benefits programs.

Life Insurance Claims   ♦   Long Term Disability

You purchase life insurance not only for peace of mind, but to protect your loved ones in case something happen to you.  The worst thing that can happen when it comes time for you or your family to make a claims for life or disability insurance is to be denied.

One basis for denial that insurance companies often raise is that there was a “material misrepresentation” on the application.  Most often people make mistakes on the application or are instructed to answer a certain way by their agent.  These are generally not valid defenses to material misrepresentations on an application.

However, at least for life insurance policies, after two years, the application becomes “incontestable,” meaning that the insurance company cannot thereafter deny the claim based on inaccuracies in the application.  Read More.