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William Henry PhD – Perspectives – Architect’s REAL Viewpoint

Sunday, April 16, 2017

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Negligence Per Se In Florida By William Henry, PhD Not all negligence cases are equal. The facts can make a difference as to how a negligence case must be proved. There are four elements to the proof of general negligence found in the common law: 1) Duty — The defendant owed a duty of care to the plaintiff; 2) A breach — A failure to fulfil the duty; 3) Causation — The breach led to the injuries; and 4) Damages — A monetized value of the injury.

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Market Doesn’t = Insurance Value By Lou Marinaccio

Tuesday, March 30, 2010

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Market Value Doesn’t Equal Insurance Value! By Lou Marinaccio During these turbulent times, we have seen market values of homes plummet as much as 75% of the listing price or previous sales price. One’s first impression is, “why don’t I insure to that value and save those premium dollars?” Don’t be tempted. Any good insurance agent will caution you against that course of action. The term “replacement cost” means replacing like quality for like quality. The original workmanship and quality of materials will always be more difficult to replace at any time. Given that we have been fortunate so far […]

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Things to Know About Your Insurance by Lou Marinaccio

Sunday, November 9, 2008

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As most of us do automatically, we spend little time questioning our policy contents and more time worrying about our premiums. Hopefully I can assist you with some coverage tips that may alleviate some questions you might have and save you some money in the process.

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