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F. Inge Johnstone
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Birmingham Bad Faith Insurance Law Blog

Watch Out When Filing Your Hail Damage Claim with the Insurance Company

On April 5, 2017, major storms ripped through North Alabama causing wind and hail damage. The storms likely will give rise to insurance claims for hail and wind damage. If you have hail or wind damage and need to file an insurance claim, be ready for the insurance company's tricks.

Consumers Need More Information About Insurance Before They Buy

When you buy a car, you can check the tires, look under the hood, or take it for a test drive. However, when you buy an insurance policy, you are not buying just a piece of paper but are buying the insurance company's ability and willingness to pay claims. As a result, the only real way to know what you are buying when shopping for insurance is to have real information about a company's track records for paying claims and its financial stability.

Non-compete Contracts and Enforcement

If your former employer or business partner wants you to sign a non-compete agreement, obtaining another job in your field may become problematic. It's crucial to understand exactly what you're signing and the extent of the limitations. Before signing any such document, it's wise to hire a business attorney to review the non-compete agreement and ensure your rights. If you've already signed such an agreement and find yourself locked out of certain jobs, an experienced business attorney can help you.

What Injured Maritime Workers Need To Know

Working in the maritime industry along the Tennessee-Tombigbee Waterway can be a lucrative occupation. However, this is not without limitations as accidents that result in injuries, and even death of the maritime worker, can happen. Moreover, the job involves working for long hours and is quite demanding physically - a combination of factors that can lead to gradual bodily harm like repetitive use injuries. As a maritime worker, you should know your rights and those of your dependants when you sustain injuries after being involved in an accident.

What You Need to Know About Filing Cruise Ship Claims

Cruise ships are back in Mobile, enabling locals to easily access four and five day jaunts to Mexico. These regularly scheduled trips are a far cry from the disasters the city had to handle a few years ago, when disabled cruise ships required emergency assistance. While you hope your planned cruise doesn't end in calamity the way those outings did, it's always a possibility. If you or a loved one is seriously injured or becomes ill from food poisoning or another avoidable issue while on a cruise, an experienced maritime attorney can help.

Cruise Ships Return to Mobile

For the first time since 2011, cruise ships will be returning to Alabama. Cruise ships are now making Mobile a scheduled stop, a boon to the local economy and an opportunity for residents to begin cruises closer to home. Cruises promise relaxation, entertainment, plenty of food and interesting ports of call. Most of the time, that is exactly what a cruise customer receives, but cruise ship injuries are not uncommon.

Maintenance and Cure for Tenn-Tom Waterway Seamen

Numerous maritime workers perform their duties along the many navigable waters in Alabama, Mississippi, and Tennessee. One such waterway is the Tennessee-Tombigbee, frequently shortened to the Tenn-Tom. As an alternate route to the Gulf of Mexico, this waterway sees an abundance of shipping traffic. This 234-mile manmade water system generates more than 24,000 full-time jobs. While a great source of economic prosperity, the Tenn-Tom also represents regular dangers to maritime workers. This necessitates stringent safety measures, an awareness of the potential hazards that come with working in this industry, and knowledge of your rights and protections when you do suffer injury or illness.

Do's And Don'ts Of Dealing With The Insurance Company On Your Property Claim

What to Expect

After you have notified the insurance company of your loss, the insurance company will assign an adjuster or claims representative to your claim. This person will be the person who makes the initial determination on whether your claim gets paid or not. Contrary to the TV commercials, your insurance agent will have little or no control of this decision.

Recent Court Ruling May Spell Bad News for RESPA

A U.S. Court of Appeals for the D.C. Circuit issued a ruling recently that is sending shock waves throughout the real estate lending industry. The legal issue arose when the Consumer Financial Protection Bureau (CFPB) fined PHH $109 million for violations against the Real Estate Settlement Procedures Act (RESPA). This law demands transparency in the real estate loan settlement process. This serves to inform and protect the consumer. But equally important, is the part RESPA plays against kickback schemes in the real estate investment market.

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