Summary for Web Content: Experienced Public Adjusters Legal Insight
In the 2019 case of People’s Tr. Ins. Co. v. Garcia, the 3rd DCA clarified the role of causation in insurance claims. The court held that when an insurer acknowledges coverage for a loss but disputes the amount, causation becomes an amount-of-loss question for appraisal rather than a coverage question for the court. This legal precedent ensures that disputes over the cause of damage, such as water damage, are appropriately handled by appraisal panels. At Experienced Public Adjusters, we leverage such legal insights to navigate the intricacies of insurance claims and advocate for fair settlements on behalf of our clients.