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cancelling home insurance
How Does Southern Home Insurance Work in a Litigation?
American Southern home insurance is a specialty insurance company that is a part of the Philip Lentini Insurance Company group of companies. American Southern home insurance company v. Louis Philip Lentini, et al., SC18-340 (Fla. 2020), case No. SC18-340. In this case, a Tampa resident sued a homeowner's insurance company, claiming that he was in fact the victim of a "false and deceptive" lawsuit.
The plaintiff alleged that his homeowner's insurance policy was not adequate for the amount he owed on a property that he had left to a relative. After he had made repairs to the property, he found out that the insurance company would not accept payment from him in order to get the insurance premium paid. He claimed that he had been unable to pay the money due on the property, even after making repairs. This caused him to face the possibility of having his property foreclosed.
He claimed that the company had not notified him that he could not pay his insurance premiums on the property while it was in his possession in Texas. He also alleged that he had been unaware that the homeowner's policy did not allow him to receive payment for his property in a Florida state court. He said he had filed an insurance claim with the Florida Department of Financial Services, but received no response.
The Florida Supreme Court affirmed the lower court's ruling, saying that the plaintiff had provided the defendants with enough documentation to show that he could not afford his homeowner's insurance. The plaintiff had provided copies of credit card statements, along with a copy of his lease agreement. He had presented his credit reports to prove that he was capable of paying his premiums. The defendants had failed to provide any document that would show that the plaintiff lived in Florida. He was therefore unable to show that he was a resident of the state in which the property was situated.
The jury instructions at trial contained an omission. The jury was instructed that the insurance company could use a non-existent person in order to show that the defendant lived in Florida. This was actually a misstatement, because the jury could not know that the company was using an actual resident in order to show that the defendant lived in Florida. because the property was not located in the state.
The plaintiffs, on the other hand, were able to show that the defendants failed to give them any of the documentation that they needed in order to show that they lived in Florida. and that they were therefore, not liable for damages arising from the property damage or injury on the property.
The company may have been able to avoid paying the amount it had to the plaintiff in this case by filing a "frivolous" lawsuit, but the plaintiff was able to avoid paying more than he owed. T here fore, he lost the case. The company may have been able to get a new client. The court decided to award only the amount it would have cost him to replace the insurance policy if it had been lost.
The decision of the court was a setback to the business of the Southern home insurance company. However, a new lawsuit against the same company in another state should have a better chance of success.
The plaintiffs are seeking to recover the cost of their home insurance, plus the costs of attorney's fees. The companies may be entitled to some money from the plaintiffs as well.
If a lawsuit is filed and loses, the company may be able to recover its losses through an assessment and collection of attorney's fees. The plaintiff may also be awarded compensation for emotional trauma that was caused by the situation.
Insurance companies often offer a "guarantee protection" to their clients. This is a guarantee that the insured will get his or her money back if a claim is made against the insurer.
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