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Property & Casualty Insurance/Questions
| Subject | Date Asked | Expert |
| CGL - Employment Related Practices Exclusion | 2/8/2012 | Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire |
| Q: We insure a supermarket. One of the employees of the insured, a bagger, was caught retaining money ... A: Norma, The key issue in determining if this was an act that truly meets the definition of ... | ||
| 4,000+ Sq Ft of HW Floors = $3000??? | 2/1/2012 | Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire |
| Q: I read your profile and you seem to have quite the successful career in insurance and an impressive ... A: Rachel, In all likelihood, the adjusters used an estimating platform called Xactimate(r). This is ... | ||
| Hiring Handyman | 1/27/2012 | Kristen Mulcahy, CIC |
| Q: I am hiring a handyman. He is registered at the State as DBA and he shows himself exempt from ... A: Sorry for the delayed response. I was out of town and forgot to set my "away" message. Hope you ... | ||
| Lost Jewelry | 1/12/2012 | James R. Berliner, CPCU |
| Q: James - Your question was Steve - My wife lost a diamond earring (1 of a pair) and her ... A: Sorry to hear about the loss... Honest and forthcoming is always best. You should have no problem ... | ||
| Black Mold: No Fault Of Own | 1/11/2012 | Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire |
| Q: We own a condo in Traverse City Michigan. We live on the 1st floor and there is another unit ... A: Anthony, Sorry to hear about the mess you have on your hands! This sounds like a major problem and ... | ||
| question about filing a claim | 1/4/2012 | Dominick Belinchak |
| Q: I have a few questions about filing a claim, due to a damaged roof from wind and hail. I've heard ... A: Dan, I haven't adjusted any claims in Ohio, therefore I'm not familiar with your insurance policy ... | ||
| Florida condo water leak | 12/31/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: The toilet water supply hose unexpectedly broke causing a leak in my second floor condo in Florida. ... A: According to FL Statute 718.111(11), you would be responsible for repairs to your unit that involve ... | ||
| Condo damage | 12/28/2011 | Dominick Belinchak |
| Q: A friend requested the use of our condo over the Thanksgiving week end. Inadvertenly they screwd up ... A: Ray, I'm sorry for your loss. It appears to me that your insurance company is already playing ... | ||
| water damage and no insurance | 12/23/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: i live in nyc and recently purchased a condo in oviedo, fl which i rent and is managed by an ... A: The only way to get reimbursed for the repairs you paid for would be for that unit owner to file a ... | ||
| ins claim Property and Casualty | 12/23/2011 | Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC |
| Q: Mr. Long, On the 23rd of Nov 2011 a contractor was bringing in a load of concrete to be unloaded ... A: I am very sorry about your loss. Well, it's to hard of question to give a full answer to without ... | ||
| question about filing a claim | 12/22/2011 | Dominick Belinchak |
| Q: I have a few questions about filing a claim, due to a damaged roof from wind and hail. I've heard ... A: Dan, Try visiting www.aapia.com and www.napia.com. Both are national organizations of public ... | ||
| circuit breakers FL condo statute | 12/20/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: Per FL condo statute the association is responsible for all portions of the building as initially ... A: According to FL Statute, when an insurable loss occurs there are only 9 or 10 items that the unit ... | ||
| water damage and no insurance | 12/17/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: i live in nyc and recently purchased a condo in oviedo, fl which i rent and is managed by an ... A: First of all, the drywall and electrical repairs are the responsibility of the Association. You ... | ||
| Could homeowners Insurance be liable? | 12/15/2011 | Dennis Smith |
| Q: I have a question regarding a crime that was commited and who would be responsible. My daughter who ... A: Johnny, Thank you for your question. I apologize for the delay in answering it. Your question ... | ||
| Florida Condo Leak | 12/14/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: It looks like I'm going to have to produce some Florida Condo statute. to convince this property ... A: Michael, I apologize. I'm having trouble accessing my office computer remotely. I'm in a small town ... | ||
| Florida Condo Leak | 12/14/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: It looks like I'm going to have to produce some Florida Condo statute. to convince this property ... A: Michael, Interestingly enough, I just received a copy of a newsletter published by an insurance ... | ||
| Florida Condo Leak | 12/13/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: I've read some of the other questions related to this subject. I have a Florida Condo in a 7 story ... A: Hey Mike, I know you know this, but since when does a contract take precedence over LAW! If that ... | ||
| Florida Condo Leak | 12/13/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: I've read some of the other questions related to this subject. I have a Florida Condo in a 7 story ... A: Your property manager needs to read the law! FL Statute is very clear that the Association is ... | ||
| NC Homeowner's Insurance | 12/8/2011 | Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire |
| Q: I am co-owner by deed, together with my four siblings (collectively, the “co-owners”), of our family ... A: Sharon, Sorry for the delay in getting back with you. I must say that you almost need a ... | ||
| New agent question | 12/5/2011 | Wim Desmadryl |
| Q: I am a new insurance agent for property and casualty - & do mostly cold calling & door 2 door ... A: I don't know how it works in Canada, but here in Belgium every business has to register itself in ... | ||
| Home Insurance Coverage - Deck | 11/18/2011 | Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC |
| Q: Without sounding bias I will ask my question for your response. Here are the facts: A few months ago ... A: You need to get an outside company to appraise the situation, and then go from there. You should ... | ||
| condo insurance | 11/17/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: Md house bill 679 (HO6) is mandating that owners have insurance with a deductible up to $5000 as ... A: Joanne, First, let me apologize for the slow response. I was traveling last week and have been ... | ||
| Auto | 11/15/2011 | Dennis Smith |
| Q: My car was vandalized on the property of my dealership while they agreed to store it upon my return ... A: Angel, If you didn't have physical damage insured on the car at the time of loss and if the ... | ||
| Auto | 11/14/2011 | Dennis Smith |
| Q: My car was vandalized on the property of my dealership while they agreed to store it upon my return ... A: This is a very good question, thank you for asking! In Texas most dealerships carry a policy called ... | ||
| Fire & Insurance Claim | 11/11/2011 | Dominick Belinchak |
| Q: We are landlords of a small commercial building in Maryland which was in a fire which started from ... A: Natasha, I'm very sorry to hear about the fire damaging your building. Your policy should cover ... | ||
| Structure Damage-Collapse | 11/9/2011 | Dominick Belinchak |
| Q: Tile on my bathroom floor was cracking and tub was seperating from floor. Went to replace floor and ... A: Dawn, I'm sorry to hear about your old septic tank cover collapsing and causing damage to your ... | ||
| Home Insurance | 11/5/2011 | Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC |
| Q: My mother tells me we have home insurance which covers us if our house is broken into, but if we ... A: A police report would have to be filed & investigation on loss. If there were no evidence of loss, ... | ||
| water surge | 11/1/2011 | James R Carrier |
| Q: I live on a lake in MN. We had several inches of rain this summer, causing the lake to rise. On Aug ... A: Jill, Flood insurance is not very common. Especially if you don't and it's practically non-existent ... | ||
| Getting started | 10/20/2011 | Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC |
| Q: I live in Arizona. I'm currently in the process of reading and studying to get my Life and Health ... A: It all depends on what you are looking to do which career path to take. You do not need a college ... | ||
| pipe leak | 10/16/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: there was a pipe that burst in the attic above my unit. The attic is considered a common element. ... A: In order for one party to become liable to another, there must be negligence. Negligence exists when ... | ||
| pipe leak | 10/15/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: there was a pipe that burst in the attic above my unit. The attic is considered a common element. ... A: Jon. The short answer to your question is...it depends. Damage to wall coverings such as paint and ... | ||
| Texas wildfire - home destroyed | 10/8/2011 | Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC |
| Q: My home was destroyed last month during the wildfires in Bastrop County, Texas. It was a 100% loss. ... A: I am sorry you suffered such a loss to your home and belongings. All insurance companies obligation ... | ||
| Insurance co says to use old product | 10/7/2011 | Dominick Belinchak |
| Q: So my question is whether the insurance company can actually say that I can completely replace with ... A: I'm not sure what type of siding you have, however I have heard of that practice happening within an ... | ||
| Condo water leak due to exterior window sill | 10/4/2011 | Jay K. Williams, AAI, AIP, CIC, CRM |
| Q: I need some advice. I recently purchased a condo in Tampa, Florida and have lived there for almost 1 ... A: With the rains that we had here in the Tampa Bay area a few weeks back, I'm sure lots of people have ... | ||
| CCC exclusion under Business Auto policy. | 10/3/2011 | Kristen Mulcahy, CIC |
| Q: Kristan: I insure a for profit ambulance company that leases garage space from my local volunteer ... A: Kim; Sorry for the delayed response but I reached out to a few underwriters trying to find a ... | ||
| CCC exclusion under Business Auto policy. | 9/29/2011 | Kristen Mulcahy, CIC |
| Q: Kristan: I insure a for profit ambulance company that leases garage space from my local volunteer ... A: Kim; Sorry for the delayed response, technical issues on my end prevented me from logging on and ... | ||
| Items damaged by professional mover - valuation of items? | 9/26/2011 | Dominick Belinchak |
| Q: I recently was moved by my new employer using a top-tier professional moving company. My household ... A: Pamela, The databases to which you refer to will likely come from a computer program called ... | ||
| Work related accident causing property damage/no injuries | 9/25/2011 | Hal McFarland, CIC, ARM |
| Q: My son (21) was driving a weekly route one day for work and drove into ditch causing the work truck ... A: Molly, This is really a legal question - not an insurance issue per se. However, I really doubt ... | ||
| Items damaged by professional mover - valuation of items? | 9/23/2011 | Dominick Belinchak |
| Q: I recently was moved by my new employer using a top-tier professional moving company. My household ... A: Pamela, I'm sorry to hear about your personal belongings getting damaged on your recent move. ... | ||
| Homeowner's Ins. claims | 9/22/2011 | Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC |
| Q: My home in Texas was damaged by hail. The insurer has given me a check for about 70% of the ... A: That is standard that the carrier handle the claim that way. As far as what you do with the money is ... | ||
Property & Casualty Insurance
Answers by Expert:
- Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire
- James R. Berliner, CPCU
- Fred Morris
- Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC
- Dennis Smith
- James R Carrier
- Wim Desmadryl
- Bennie719
- Deanna Terry
- Thom Brooks
- Kristen Mulcahy, CIC
- Hal McFarland, CIC, ARM
- Jay K. Williams, AAI, AIP, CIC, CRM
- steve zimmerman
- Dominick Belinchak
Jay K. Williams, AAI, AIP, CIC, CRM
Top Expert on this page
Expertise
I can answer questions relating to the following coverages: personal auto; homeowners; commercial auto; commercial liability; commercial property; business income and all other property and casualty coverages.
Experience
I have been in the insurance industry in Florida since 1979. I am currently the president of a Florida domestic insurance company subsidiary. I've taught continuing education classes in Florida and across the country. I am quite familiar with all coverages including Florida Condominium master policies and unit owner policies. I also specialize in agent professional liability. I have been a professional educator since 2001.
Organizations
I am a member of the Florida Associaion of Insurance Agents, the state affiliate of the Independent Insurance Agents and Brokers of America.
Education/Credentials
I currently carry the following professional designations:
Accredited Advisor in Insurance (AAI)
Associate in Insurance Production (AIP)
Certified Insurance Counselor (CIC)
Certified Risk Manager (CRM)
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