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  • Understanding Your Long-Term Disability Policy
    Posted on: March 30, 2021

    If you suffer a debilitating injury that makes you unable to work, you may qualify for long-term disability (LTD) insurance coverage through your employer or a personal insurance plan. LTD coverage can help you pay the bills after an injury that permanently takes you out of work. Unfortunately, d...

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  • How Long Does It Take to Get Disability Insurance Benefits?
    Posted on: March 15, 2021

    If you are eligible for disability insurance benefits, you likely hope to receive your first check as soon as possible so you can pay your bills and provide for your family. Unfortunately, it is common for insurance companies to delay payments – both for valid and invalid reasons. If you are exper...

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  • Limits of Health Insurance Coverage
    Posted on: February 19, 2021

    Health insurance coverage for medical expenses is not unlimited. It may surprise you to find that your health insurance coverage has certain limits, exceptions, and benefit caps. The more you know about what your health insurance does and does not cover, the more you can protect yourself from unwelc...

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  • Short-Term vs. Long-Term Disability Insurance
    Posted on: February 12, 2021

    Suffering an injury that temporarily or permanently takes you out of work can lead to significant financial stress for you and your family. You may be eligible for short-term and/or long-term disability insurance benefits to help bridge the gap between your former income and what you make now. Find ...

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  • How to File a Business Interruption Claim for COVID-19 With State Farm
    Posted on: January 14, 2021

    Yours is not the only business suffering because of the COVID-19 pandemic. Millions of businesses across the globe are facing immense financial hardships due to government restrictions on shopping indoors, as well as strict regulations and stay-at-home orders. As the novel coronavirus outbreak conti...

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  • Filing a COVID-19 Business Interruption Claim With Farmers
    Posted on: January 7, 2021

    COVID-19 has substantially affected businesses. Forced closures and government regulations such as shelter-in-place orders have diminished the number of customers and sales, putting many businesses in extremely precarious positions. If you own a business and are struggling to make ends meet during t...

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  • How to File a COVID-19 Business Interruption Claim with Nationwide
    Posted on: December 11, 2020

    Millions of businesses have had to temporarily shut their doors due to the COVID-19/coronavirus pandemic. Some had a small break when regulations across the country eased, but a second wave of restrictions is now underway as COVID-19 cases surge. Shutdowns and sharp decreases in sales for the better...

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  • Does Business Interruption Insurance Cover Payroll?
    Posted on: December 4, 2020

    Business interruption insurance is a type of policy that can cover a company’s financial losses after an event or disaster, such as a fire. This insurance can keep a business afloat if it has to shut its doors during reconstruction or renovations. A business can recover damages such as missed reve...

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  • What Is Concurrent Causation?
    Posted on: November 21, 2020

    Not all property damage results from just one cause. In many cases, multiple causes occur at once to contribute to damages incurred. This is referred to as concurrent causation in the insurance world. An example is storm damage from both wind and flooding. In this case, the client would technically ...

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  • How Could Concealment Affect Your Insurance Claim?
    Posted on: November 10, 2020

    The average injury insurance claim comes with issues and complications that make it more difficult to obtain fair compensation for the client’s losses. If you get injured in an accident in Arizona, approach the insurance process with caution. One problem to look out for is the possibility of conce...

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  • Disability Eligibility for Workers Laid Off During COVID-19
    Posted on: October 14, 2020

    The law may entitle you to disability insurance benefits if you cannot continue working due to a personal injury or illness. The novel COVID-19 pandemic has led to many questions for those who are out of work due to the illness. Insurance providers have not always made it clear whether or not they w...

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  • COVID-19 Insurance Fraud & Scams
    Posted on: October 7, 2020

    The coronavirus (COVID-19) pandemic has made many major changes in the world and your personal life. You may be feeling vulnerable after losing your job, getting sick or caring for a loved one with COVID-19. Unfortunately, some people wish to take advantage of this vulnerability to profit. Organizat...

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  • How Long Does it Take for an Insurance Company to Pay Out a Claim?
    Posted on: September 8, 2020

    After an accident, you will typically be responsible for paying for your own medical bills and property damages until the insurance company settles your claim. It can be difficult to wait to receive your payment, especially when you are not sure how long the wait will be. The timeline for settling y...

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  • Communicating Effectively With an Insurance Company
    Posted on: September 1, 2020

    Slogans and commercials from insurance companies might make you think they are on your side…until it comes time to file a claim. Insurance companies have one main goal—to save their investors money. Insurance companies profit by using tactics to minimize payouts for clients. It is important to t...

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  • What Is a Loss Payable Clause?
    Posted on: August 17, 2020

    Read the fine print on an insurance policy carefully to understand exactly what to expect should a claim arise. Your policy may contain several clauses or provisions that alter your rights or options after suffering a loss. One of these provisions might be a loss payable clause—a standard endorsem...

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  • What Is Substandard Insurance?
    Posted on: August 10, 2020

    Insurance is an important investment that can provide peace of mind for an individual and his or her family. Although most people are eligible for different types of insurance, not everyone is a prime candidate. With life insurance, for example, some applicants may have health issues or histories th...

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  • Business Interruption Insurance Terms to Know
    Posted on: July 17, 2020

    Businesses are suffering amid the COVID-19 pandemic. Lack of foot traffic, governmental health regulations, shelter-in-place orders, and social distancing guidelines have made it difficult or impossible for many businesses to continue operating. Business interruption insurance is one possible soluti...

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  • Can COVID-19 Lead to a Workers’ Comp Claim in Arizona?
    Posted on: July 14, 2020

    With the number of COVID-19 cases constantly on the rise, more employees are wondering about their rights if they contract the virus while at work. Normally, workers’ compensation in Arizona covers all occupational injuries and illnesses. During the novel coronavirus pandemic, however, some insura...

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  • What is an Insurance Grace Period?
    Posted on: June 25, 2020

    An insurance grace period is an extension an insurance company may give to a client after he or she misses a payment prior to canceling coverage. It is a set amount of time in which the client will still have insurance coverage despite being in arrears on a payment. An insurance grace period can con...

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  • What Should I Do if My Short-Term Health Insurance Claim is Denied?
    Posted on: June 16, 2020

    Dealing with a health insurance company during a claim can be difficult, especially while you are simultaneously coping with a medical condition. Insurance companies often do not make the claims process easy for clients. They may deny valid claims, unreasonably delay payouts, or use other tactics to...

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  • Does Health Insurance Cover Coronavirus?
    Posted on: May 26, 2020

    The novel coronavirus, also referred to as COVID-19, has taken close to 100,000 lives in the US as of mid-May, according to the Centers for Disease Control and Prevention. It has put over one million people in the hospital. Aside from health-related fears, many patients also worry about how to affor...

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  • COVID-19 and Commercial Property Insurance
    Posted on: May 26, 2020

    COVID-19, also called the novel coronavirus, has had a substantial impact on the economy. With mandatory stay-at-home orders and closures of nonessential businesses, the US’s economy is reeling from the impact of the virus. The coronavirus is forcing many business owners to seek alternative means ...

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  • What is the Doctrine of Utmost Good Faith?
    Posted on: April 28, 2020

    Dealing with an insurance company can be difficult. You will have to contend with a lot of paperwork, rules and red tape to obtain coverage through an insurance policy. One of the protections you have as a consumer, however, is the legal obligation of good faith. The doctrine of utmost good faith is...

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  • Health Insurance That Doesn’t Cover the Bills
    Posted on: April 27, 2020

    Bloomberg highlights Surrano Law Offices and its efforts to help those with short-term health insurance who have been denied coverage. Click the link below to read the Bloomberg article, and learn how Surrano Law Offices may be able to help you: Surrano Law Offices Takes on Short Term Health I...

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  • Should I Purchase Long Term Care (LTC) Insurance?
    Posted on: April 24, 2020

    Long term care insurance (LTC) is a critical type of insurance for people with health needs such as permanent disabilities, long-term illnesses or the inability to care for themselves. LTC insurance can mean the difference between struggling for care and living comfortably. If you are curious about ...

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  • Filing an Insurance Bad Faith Claim in Arizona
    Posted on: February 13, 2020

    Bad faith is any action or omission from an insurance company that does not come from a good faith attempt to resolve the client’s claim. Good faith is an insurer’s legal and ethical responsibility to treat a claim fairly, reasonably, and within the confines of the law. If an insurance company...

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  • What Is Breach of Contract?
    Posted on: February 4, 2020

    A breach of contract might occur if an insurance company fails to fulfill its end of the terms in your policy. A contract is a legal document, typically written but sometimes verbal, that governs the terms of an agreement between two parties. In Arizona, a breach of contract occurs when one party v...

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  • Do Punitive Damages Apply to Bad Faith Claims?
    Posted on: January 15, 2020

    If an insurance company takes advantage of you and engages in bad faith tactics, you could suffer the consequences. Bad faith could rob you of the settlement amount your injuries demand or lead to further damages while you wait for an unfairly delayed payout. An insurance company handling your cla...

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  • Choosing the Right Insurance Bad Faith Attorney in 2020
    Posted on: January 15, 2020

    Combatting an insurance company’s unfair or illegal tactics during your injury claim may take help from an insurance bad faith attorney. Insurance companies have plenty of experience minimizing payouts and taking advantage of clients. You will need to know how to navigate claims adjusters, contra...

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  • ERISA Vs. Non-ERISA. What’s the Difference?
    Posted on: December 26, 2019

    If you own a business, you may hear the terms ERISA and non-ERISA. These are two different types of retirement plans you could offer your employees. An ERISA plan is one you will contribute to as an employer, matching participants’ inputs. ERISA plans must follow the rules of the Employee Retirem...

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  • 6 Tips to Finding a Trusted Insurance Provider
    Posted on: August 26, 2019

    Not all insurance carriers are created equal. Some engage in practices known as bad faith. Every insurance company has a legal duty to treat clients in good faith, meaning they must act honestly and fairly when handling claims. Bad faith insurance could involve tactics to get out of paying claimant...

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  • An Insurance Agent’s Responsibilities
    Posted on: January 16, 2019

    When you speak with an insurance agent, you trust that he or she will act in your best interest. Under state and federal regulations, government bodies obligate insurance brokers to act in your best interest, if you are an insurance purchaser. Depending on their state, insurance agents must uphold a...

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  • Why Do Insurance Companies Delay Claims?
    Posted on: December 30, 2018

    Insurance companies are for-profit businesses that function by selling paid promises of coverage for specific events. For example, a driver pays for auto insurance that covers damages in the event of an accident, and the premiums that driver pays fluctuate based on his or her perceived risk level. I...

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  • Why Do Insurance Companies Act in Bad Faith?
    Posted on: December 28, 2018

    It is crucial for all insurance policyholders to remember that insurance companies are in business to make money. No matter how an insurance company presents itself, the company is ultimately a for-profit organization that will attempt to avoid paying out on claims whenever possible. Insurance compa...

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  • What Is Duty to Defend?
    Posted on: December 13, 2018

    When an insurance policy covers a policyholder, certain situations exist in which the insurer has a duty to defend an insured party. It is essential to understand the elements of the duty to defend when it comes to insurance coverage. A Phoenix insurance bad faith attorney can help an insured party ...

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  • What Is a “Sole Cause” Provision?
    Posted on: November 20, 2018

    Many accident liability insurance policies have very clear guidelines as to which events may qualify for claims. One issue that may cause problems for claimants is the concept of a “sole cause” provision. A sole cause provision may state something like, “this policy covers an accidental injury...

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  • Things Your Insurance Company Doesn’t Want You to Know About Bad Faith Claims
    Posted on: October 18, 2018

    A bad faith insurance claim can help an injured person recover after an unwarranted denial of a valid insurance claim or other acts of bad faith from insurance companies. An insurance policy is essentially a paid promise that an insurer will cover events and provide compensation within the scope of ...

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  • What Is the Difference Between Term, Whole Life, and Universal Life Insurance?
    Posted on: July 16, 2018

    Life insurance provides you with peace of mind and your loved ones with financial stability in the event of your death. Life insurance is essential for retirement planning and those with growing families, but the multiple types of life insurance can make finding a policy confusing. The three type...

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  • Failure to Cooperate With Insurance Company
    Posted on: May 7, 2018

    One of the strategies an insurance company may use to avoid paying a claim is alleging that a claimant failed to cooperate with the insurer. Insurance companies will try anything to get away with denying, delaying, or underpaying policyholders’ claims. Maximize your odds of compensation by prevent...

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  • What Happens When a Life Insurance Policy Is Unclaimed or Unpaid?
    Posted on: July 13, 2017

    When a policyholder passes away, insurance companies don’t always take it upon themselves to search for surviving beneficiaries. Although insurers have access to death records, they often don’t take notice of policyholder deaths and delay payouts as long as possible – until the beneficiary mak...

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  • Why Does Life Insurance Get Denied?
    Posted on: June 7, 2017

    After a loved one passes away, the last thing a surviving family member wants to deal with is bad news from a life insurance company. Unfortunately, life insurance companies deny claims all the time – sometimes for valid reasons, other times for no reason at all. If you’ve recently received a cl...

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  • What is the Statute of Limitations for Bad Faith in Arizona?
    Posted on: March 9, 2017

    The state of Arizona imposes a general two-year statute of limitations on most personal injury and bad faith claims. While the state adheres to a statute of two years, your insurance contract may include a different agreement. Wronged policyholders must understand their policies to ensure the viabil...

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  • Can You Get Disability for Back Pain?
    Posted on: February 13, 2017

    Disability benefits exist to help people who cannot work maintain their standard of living. In most cases, disabilities develop over time due to wear-and-tear from daily work or medical conditions. Sometimes injuries cause permanent disabilities that prevent the injured person from returning to work...

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  • How Do I Get My Long-Term Care Insurance Claim Paid?
    Posted on: January 9, 2017

    Long-term care (LTC) insurance can mean the difference between struggling and living comfortably with an illness, condition, or permanent disability. LTC insurance covers home care, assisted living, nursing home facilities, adult daycare, and hospice care. LTC insurance for home care typically pays ...

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  • What Are Punitive Damages?
    Posted on: November 29, 2016

    When one party injures another, the injured party can file a lawsuit to obtain compensation for his or her losses caused by the other party’s actions. In most cases, the injured party and his or her attorney must prove that the defendant was negligent. Negligence defines any action that another re...

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  • What Is “Burden of Proof” and How Does It Apply to Insurance Bad Faith Cases?
    Posted on: November 29, 2016

    Our criminal justice system functions around the concept that every accused individual is innocent until proven guilty. The concept of “burden of proof” means that the accuser must provide evidence supporting his or her claims. The accused doesn’t necessarily have to prove his or her innocence...

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  • What Is the SIU?
    Posted on: October 14, 2016

    Every insurance company in the United States has a Special Investigative Unit, or SIU. After being in an accident, your insurance claims adjuster may tell you that he or she has to refer your personal injury or damages claim to the SIU. This may be a new term for you, and you might not realize what ...

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  • How do Disability Insurers Take Advantage of People?
    Posted on: August 24, 2016

    An injury can turn your world on its head. Aside from medical bills and recovery, you may be wondering how to replace your lost income. If you purchased disability insurance, you expect your insurer will provide you with the means to survive, but this isn’t always the case. Unfortunately, insuranc...

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  • Do Bad Faith Laws Change from State to State?
    Posted on: July 13, 2016

    Bad faith laws exist to make insurance companies accountable for providing the services for which their clients have paid. This is a complicated business, and catching fraudulent claims is an important part of maintaining a viable operation. On the other hand, insurers may act unethically through de...

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  • What Does “Examination Under Oath” Mean?
    Posted on: June 7, 2016

    Does it ever surprise you that false information can provided while a person is being examined under oath? Although some may fail to grasp the importance of an examination under oath (EUO), it can lead to range of long-term consequences, such as the rejection of an insurance claim or an accusation o...

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Have you suffered business interruption due to COVID-19?

Call us to find out if you may have insurance coverage: 602.264.1077