Broward and Palm Beach counties Archives | Osborne & Francis

Florida Hurricane Damage Lawyer Offers Info On Filing Property Insurance Claims

By | Hurricane property damage | No Comments

Andrew Norden, a leading Florida hurricane damage lawyer, discusses the massive damage done to Florida and outlines what steps to take to file your claim.

Boca Raton, South Florida – September 18, the Florida Office of Insurance Regulation released preliminary claims data that showed more than 335,000 property damage claims had already been filed in the aftermath of Hurricane Irma, totaling almost $2 billion. Hurricane Damage Attorney Andrew Norden has released a video to help victims of Hurricane Irma with property damage to learn about their legal rights when it comes to dealing with an insurance company’s claims adjusters. To report your hurricane Irma claim, get a free case review.

And that is just the beginning. Irma was the largest hurricane to ever hit Florida, leaving virtually no part of the state untouched. As residents and business owners struggle with the emotional and financial loss, they are turning to their insurance companies for help in recovering from this disaster. And while everyone hopes for the maximum payout for repairs, getting it is not always a given. Which is why you need to understand your legal rights under your insurance policy. Andrew Norden, a leading Florida hurricane damage lawyer, outlines the steps below to file your property damage insurance claim:

Typically, a comprehensive insurance policy covers the following:

  • Damage to or loss of your home.
  • Damage to other structures on your property, such as sheds, a pool, decking, fences, etc.
  • Damage to the contents of your home.
  • Compensation for the loss of the use of your home if you’re unable to live there.
  • Payments to third parties for liability or medical expenses.

Here are the steps you need to take to begin the claim insurance filing process.


When You Need an Insurance Claims Attorney

If your insurance company has denied your claim or has failed to respond in a timely manner, you may need to call in a hurricane property damage attorney to assert your legal rights and protect your financial future.

Unfortunately, insurance companies have been known to undervalue or deny claims when first submitted. This is because they are a business, and their focus is on maximizing profits, not in paying out claims. And because of the widespread devastation across Florida from Irma, your claim will just be one in several hundred thousand that requires review and consideration before any payments are made.

This can prove to be a financial hardship for you and your family if your insurance company denies your claim or does not settle it in a timely manner. When it comes to that, you need an insurance claims attorney to fight for you and get you the support you need as soon as possible.

Under Florida law, only a licensed attorney can represent you in civil court in your property insurance dispute claim. If successful, your attorney’s fees are paid by your insurance company and will not come out of your settlement.

If you are experiencing or anticipating any problems with your personal or commercial property damage claim, you can contact Andrew Norden a leading Hurricane damage lawyer with the Osborne & Francis law firm. The firm is providing free case reviews now for victims of Hurricane Irma.

About Osborne & Francis Law Firm PLLC

With over a half-century of combined experience, the civil trial attorneys at the Boca Raton law firm of Osborne & Francis PLLC, have a proven record of successfully litigating complex cases on a national scale.  Specializing in property damage insurance claims, medical device and pharmaceutical litigation, medical malpractice, and personal injury cases, the firm has secured multi-million-dollar verdicts and settlements and has become one of Florida’s ‘go-to’ firms for all types of civil litigation matters.  For more information, visit


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Avoid Common Motorcycle Accidents by Boca Motorcycle Accident Lawyer Joe Osborne

By | motorcycle accidents | No Comments

Some motorcycle accidents can be avoided if the rider has the right skills and avoids mistakes says  Boca motorcycle accident lawyer Joe Osborne.

Riding a motorcycle is fun but dangerous. An accident involving a car may result in minor injuries or could cause severe injuries or death if the other person is riding a motorcycle. Some accidents are unavoidable, caused by negligent drivers of other vehicles. Other accidents might be avoided or their consequences lessened if a motorcyclist has the right skills and takes precautions says motorcycle accident lawyer Joe Osborne. RideApart has many suggestions (and lots of videos) for motorcyclists to ride safer.

Motorcycle Safety

If you’re a new rider complete a basic rider course and if you’re experienced there are advanced rider classes as well. Wear a helmet and wear bright colors to make yourself more visible.

A Vehicle Takes a Left In Front Of You

This is the most common motorcycle accident and caused by negligent, inattentive, distracted drivers. You can try to avoid it by preparing for it. Are you approaching an intersection, driveway or garage sale? Is there a gap in traffic that someone may want to suddenly fill? Are front wheels turning in your direction? Look around you to see if you have space for evasive action. The article advises against “laying down” the motorcycle but instead reducing as much speed as possible if a collision is unavoidable.

Gravel On A Blind Corner

If you’re riding around a corner suddenly there may be gravel or sand in your path causing you to lose traction and control. To avoid this slow down when approaching a corner so you can safely take action to protect yourself and if it’s safe accelerate out of the corner.

Entering A Corner Too Fast

You think you won’t make it around the corner without going off the road. To prevent this, don’t speed. Use visual clues like telephone poles and signs to get an idea of a road’s direction. If you’re in this situation try to ride it out. Look where you want to go, be as smooth as possible on the controls, don’t hit the brakes, chop the throttle or do anything that may upset the bike and cause a loss of traction. Don’t panic. Try to hold that lean angle, look for the corner exit and ride it out.

A Vehicle Changes Lane Into You

Be aware of vehicles’ blind spots and get out of them as quickly as possible. If you can see a driver’s eyes in their mirrors, they should be able to see you (if they look). Be aware of the overall situation. Is traffic slowing and those in one lane are going faster than the other? Are turn signals being used, wheels turning, a car wandering across the road?

Rear Ended

You come to a stop but the driver behind you doesn’t see you or is going too fast to stop in time. If you’re at an intersection you could, nicely, pull in front of a car (or line of cars) and use them as a barrier to anyone coming from behind. To be more visible you could also pull to the side of the lane and rapidly flash your brake light by tapping a brake lever, keep the bike in gear and your right hand on the throttle. Be aware of what’s going on behind you and of situations like bad weather, poor visibility or late nights when drivers are more likely to be fatigued or intoxicated.

No matter how safe a motorcyclist can be there are situations caused by negligent drivers where motorcyclist can be seriously injured or killed. If you or a loved one have been injured in a motorcycle accident, contact Boca motorcycle accident lawyer Joe Osborne at (561) 800-4011 or fill out this online contact form. You can discuss your case, how the law may apply and your best legal options to protect your rights and obtain compensation for your injuries

14 Year Old Killed by Distracted Sister Says Boca Car Accident Lawyer Joe Osborne

By | Car Accidents | No Comments

A 14 year old girl is dead and her 18 year old sister is accused of live streaming the accident and drunk driving says Boca car accident lawyer Joe Osborne.

There are many dangers we face on Florida’s roads including distracted and drunk drivers. A fourteen year old California girl is dead after a car accident. Her eighteen year old sister was behind the wheel, videoing her driving when the accident occurred in July. Boca car accident lawyer Joe Osborne says this kind of thoughtless driving endangers everyone on the road.

Obdulia Sanchez was driving a car in Merced, California, and live streaming on Instagram when she veered onto the shoulder and over corrected. The car left the road and went into a field where it flipped over, ejecting her sister, Jacqueline Sanchez, who was killed, reports the Arizona Republic. Another fourteen year old was in the back seat of the car. He survived the crash with a leg injury. The driver was using a seat belt but not the passengers in the car.

The day after the accident Sanchez was arraigned on six felony charges, including gross vehicular manslaughter and drunken driving resulting in injuries. Police report that Sanchez called first responders who came to the scene racial slurs and spit on them. She is accused of kicking a paramedic in the face and she was later strapped to a gurney. Sanchez also refused an alcohol screening test at the scene. Officers state she smelled strongly of liquor and hospital records show she was legally drunk.

The video shows what happened before the accident, including Sanchez removing her hands from the steering wheel and singing, as well as the aftermath. After a gap in the video, she is visible over her sister’s body, shaking her and telling her she was sorry. “Wake up baby, I’m [expletive] sorry, baby, I did not mean to kill you, sweetie,” Sanchez said.

Drivers like Obdulia Sanchez are not only found in California.

  • The National Highway Traffic Safety Administration (NHTSA) estimates that 3,477 people were killed in accidents involving distracted drivers in 2015.
  • EverQuote Inc., an online insurance firm, released a study in April showing Florida ranks second only to Louisiana for distracted drivers, reports the Sun Sentinel. Drivers were given scores based on a motion sensing smartphone app. The state’s drivers got the second worst score for driving while distracted. The EverDrive app logged 2.7 million vehicle trips and 230 million miles.
  • An estimated ten percent of high school students drink and drive, according to the federal Centers for Disease Control and Prevention. They report drivers aged sixteen to twenty are 17 times more likely to be killed in an accident if they have a blood alcohol concentration of 0.08% compared to if they have not been drinking. Though the percentage of high school teens who drink and drive has decreased by more than half since 1991, it’s estimated that nearly a million teens got behind the wheel after drinking alcohol in 2011.

If you or a loved one has been injured in a car accident caused by a distracted or drunk driver, contact Boca car accident lawyer Joe Osborne at (561) 800-4011 or fill out this online contact form. You can discuss your case, how the law may apply and your best legal options to protect your rights and obtain compensation for your injuries.