Following the string of recent rulings I noted in Sinkhole Neutral Evaluation Unconstitutional and 2006 Sinkhole Statute Unconstitutional, yet another Florida trial court judge has found the neutral evaluation statute unconstitutional, this time Circuit Judge Martha Cook.

You can read a complete copy of the Order by clicking the image below:

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Evaluation, Evaluation Unconstitutional, Neutral Evaluation, Neutral Evaluation Unconstitutional

An increasing number of people are buying home insurance online through price comparison sites according to new research from Defaqto.

A survey by the financial research company found that more than eight in 10 of us are happy to seek out the best deal and buy their home insurance via the internet. Read full post…

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Home Insurance, Home Insurance Online, Insurance Online, Online

Late last year, Colorado’s appeals court determined that insurers have a good faith duty to communicate– not only with the insured, but also with anyone it was reasonably aware legitimately needed information pertaining to the handling of an insured’s claim.

In Dunn v. Am. Family Ins., 251 P.3d 1232, 1238 (Colo. App. 2010), the insureds’ home flooded with sewage and water, and mold resulted. After having to vacate the home, the insureds’ pipes froze and additional damages occurred. The insureds alleged that their contractor repeatedly attempted to communicate with American Family Insurance regarding potential coverage for remediation of water and mold damage. The ins

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Bad Faith, Faith

Savings Accounts and Money Market Rates provided by 22 July 2011 To address the personal finance needs of consumers in 2011, Heritage Financial Planning has created a comprehensive list covering practices it hopes will prove valuable to those making long-term financial plans. Paul R. Streiber, a Heritage certified financial planner (CFP), authored the list.

Streiber covers several topics, including budget creation, investment portfolios, insurance, estate tax planning and more.

The CFP encourages two particular investment practices: careful examination of investment portfolios and diversification of stock holdings. Read full post…

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2011, Financial Planning, Personal Finance

Your current account is the financial product you probably use most frequently yet most people have never switched bank and as a result aren’t getting the best deal.

But there are a number of banks actively seeking to attract new customers and as such, there are some great deals to be had.

One of those is First Direct which, for some time, has been offering £100 cashback to new customers who switch their current account to the bank and now, for a limited time only, those who apply for its 1st Account via moneysupermarket.com benefit from an enhanced offer of £125 cashback.

Here we look at the account in more detail…

The First Direct 1st Account isn’t the best in terms of offering  a high rate of interest on balances in credit. In

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Account, Current Account

When you’re buying a new home, whether it be a house or a flat, you want to be sure that it is not going to start falling down within a few years of you handing over the money.

Even if you are stretching your finances to afford the property, it is therefore essential to get a proper survey done to highlight any potential problems.

Not all surveys are the same though, and the one you need depends on both the type of property you are buying and whereabouts it is.

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The National Flood Insurance Program (NFIP) is facing a September 30th deadline. That is the date the temporary extension runs out on the Flood Program. Unless a bill that reauthorizes the program passes, the NFIP could expire. But this week, the House of Representatives passed H.R. 1309 (The Flood Insurance Reform Act) by an overwhelming majority.

The House bill reauthorizes and modifies the program. The reauthorization extends the program through 2016. The bill also authorizes the program to offer business interruption and ALE (additional living expense) coverage.

Regarding the wind vs.

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Flood Insurance, Flood Insurance Program, Insurance Program, Program