13 June-that's the theme of the season in the world of insurance. It pits insurers against lawyers, contractors and other third parties, which they blame for inflation-the storm claimed as the plumbing leaks. Caught in the Middle, consumers frequently find themselves ankle deep in the water and up to their neck in an unexpected conflict.Troubled water forum is coming to Palm Beach County on Tuesday.State insurance consumer advocate James Sha'Ron aims to call together various parties to find answers about an issue that the insurer blamed for driving up rates in South Florida-not even a storm in more than a decade.It's a difficult situation for consumers. When a pipe broke and flooded a House, the landlord can scramble the frazzled to find a contractor to clean it. Which the contractor may require the landlord to sign over control of insurance benefits. It sounds routine enough, and besides, who has time to ask lots of questions or shop around when there is water all over the place?But insurance companies say that, when a lot of trouble starting, because contractors can submit what the insurance company for the unjustified and abusive is the Bill for the work of cleaning, repair and restoration can run into the tens of thousands of dollars. Depending on the language of the contract, the contractor may even threaten to charge consumers for the balance if the insurer balks, the insurance company said. Sometimes the contractors are tied to the lawyer has the case to the Court, introduced but more costs ultimately drive up rates for everyone, the reasoning of the insurance industry.For their part, lawyers and other contractors say that insurance companies are trying to low ball the consumers and unduly restrict their rights. For example, doctors often ask patients to sign over control of insurance benefits, they say. And they were mostly victories in the legislature and the courts.Sure most consumers do not want their rate to go up because the cost of unnecessary or inflated for the claim of another person down the street. They just want the insurance claim properly and timely. On the other hand, they don't want the insurers to use a lot of fuss about water damage as a story to raise the rate without clear justification.Heritage property & casualty insurance company is asking for a rate increase of up to 25 percent in Palm Beach County, and a 14.9 percent on average across the State, though damage claims than the premiums have gone down, not up , The Palm Beach Post reported.The Forum is open to the public from 9 am to 4 pm Tuesday at Florida Atlantic University recruiting room Stadium in Boca Raton.Confirmed speakers are said to include: The Florida Office of insurance regulation, the national insurance Crime Bureau, the American Insurance Association, the Florida Justice Association, the Florida Association of insurance reform, as well as the Florida Association of insurance agents, Florida recovery professionals Association , and much more.
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