Property Insurance Coverage Law

OCTOBER 3, 2024

Filing a property insurance claim can feel unfamiliar to many. However, once you’ve submitted your claim, there are key steps you can take to ensure the best possible outcome. Here’s a guide on what to do next, from tracking your claim to ensuring your rights are protected.

Insurance Claim 203

Insurance Claim Claim Property Insurance Insured 203

Property Insurance Coverage Law

OCTOBER 4, 2024

National Flood Insurance claims are notoriously complex and exacting. Most policyholders are unaware that National Flood claims are among the most difficult property insurance claims to handle correctly, and that the National Flood Insurance adjuster has limited authority.

Insurance Claim 203

Insurance Claim Claim Policyholder Property Insurance 203

Property Insurance Coverage Law

SEPTEMBER 28, 2024

Many insureds and even insured representatives have never dealt with a flood insurance claim and the intricacies of the National Flood Insurance Program. Resources are available at … The post Navigating Flood Insurance Claims from Hurricane Helene appeared first on Property Insurance Coverage Law Blog.

Insurance Claim 203

Insurance Claim Claim Property Insurance Insured 203

Insurance Journal

OCTOBER 2, 2024

The number of property insurance claims in Florida from Hurricane Helene had topped 65,700 by Tuesday, far more than the 25,000 seen in Hurricane Idalia a year ago, the Florida Office of Insurance Regulation reported. The total estimated insured losses …

Claim 290

Claim Property Insurance Insurance Claim Insured 290

Property Insurance Coverage Law

OCTOBER 11, 2024

In the wake of the devastating Hurricanes Helene and Milton that recently struck Florida and neighboring states, policyholders are facing the daunting task of rebuilding their lives and navigating complex insurance claims.

Policyholder 246

Policyholder Insurance Claim Claim Property Insurance 246

Property Insurance Coverage Law

MARCH 10, 2025

Fraud allegations in insurance disputes are serious business. When an insurer claims a policyholder intentionally misrepresented facts, its essentially saying, “You lied, and we dont have to pay.”

Policyholder 189

Policyholder Property Insurance Insurance Claim Claim 189

Insurance Journal

OCTOBER 15, 2024

Property Insurance claims from Hurricane Milton had topped more than 123,000 by Sunday, with some $1.5 billion in estimated insured losses. That’s already more than the claims and losses reported for Helene, which made landfall in Florida two weeks earlier, …

Claim 290

Claim Property Insurance Insurance Claim Insured 290

Property Insurance Coverage Law

FEBRUARY 22, 2025

How do insurance claims work when your home has already been damaged once? A recent Florida Office of Insurance Regulation (OIR) Bulletin clarifies how insurers must handle claims for multiple hurricanes. But what happens when two hurricanes strike in the same season?

Policyholder 167

Policyholder Property Insurance Damage Insurance Claim 167

Property Insurance Coverage Law

JANUARY 9, 2025

1 … The post Delay, Deny, Defend Professor Offers Suggestions for Meaningful Insurance Claims Reform appeared first on Property Insurance Coverage Law Blog.

Insurance Claim 203

Insurance Claim Claim Property Insurance Insured 203

Insurance Journal

SEPTEMBER 11, 2024

A month after Hurricane Debby made landfall in northern Florida, the number of property insurance claims has reached almost 20,000, and total estimated insured losses are more than $121.5 million, the Florida Office of Insurance Regulation reported this week. The …

Claim 279

Claim Property Insurance Insurance Claim Insured 279

Property Insurance Coverage Law

NOVEMBER 7, 2024

Representatives Jamie Raskin, Maxwell Alejandro Frost, and Jared Moskowitz have issued formal requests to insurance regulators in five states, including Florida, Tennessee, Georgia, South Carolina, and North Carolina.

Insurance Claim 214

Insurance Claim Claim Policyholder Property Insurance 214

Insurance Journal

AUGUST 1, 2024

The Tennessee Department of Commerce and Insurance so far this year has secured more than $9.5 million for policyholders whose insurance claims had been denied, the department announced this week. The payments, mostly from property insurers, are the result of …

Policyholder 264

Policyholder Claim Insurance Claim Property Insurance 264

Property Insurance Coverage Law

FEBRUARY 5, 2025

A recent viral social media post following the California wildfires has brought to light a critical issue: homeowners are finding their insurance claims denied because their properties are held in trusts, yet the trusts are not listed on their insurance policies.

Insurance Claim 100

Insurance Claim Claim Insurance Policy Insured 100

Property Insurance Coverage Law

JANUARY 29, 2025

It seems like yesterday, but the world of property insurance claims has changed significantly since 1985. The 2025 Windstorm conference had more of a Texas flare … The post Thoughts From a Policyholder Attorney of 40 Years About the 2025 Windstorm Conference appeared first on Property Insurance Coverage Law Blog.

Policyholder 200

Policyholder Property Insurance Insurance Claim Claim 200

Insurance Journal

SEPTEMBER 25, 2024

Citizens Property Insurance Corp., Florida’s largest insurer, has suspended policy binding ahead of predicted Hurricane Helene, and a board member asked if the carrier could do more to help policyholders manage flood insurance claims from the looming storm. “My question …

Claim 279

Claim Policyholder Property Insurance Insurance Claim 279

Property Insurance Coverage Law

OCTOBER 16, 2024

I was thinking about this while calling FAPIA Managing Director Nancy Dominguez to take down a wrong proof of loss form that some ignorant attorney had sent to a group as the proper NFIP proof of loss to be filed … The post Policyholders Beware of Whom You Hire Regarding Your National Flood Insurance Claim appeared first on Property Insurance (..)

Policyholder 203

Policyholder Insurance Claim Claim Property Insurance 203

Insurance Journal

SEPTEMBER 12, 2024

Did you hear the one about cat poop clogging a toilet, resulting in thousands of gallons of sewage water in the home and a big insurance claim? Lin Werkheiser, an insurance fraud investigator, has heard that one and many more …

Claim 312

Claim Insurance Claim Insured Insurance 312

Property Insurance Coverage Law

JANUARY 29, 2025

It seems like yesterday, but the world of property insurance claims has changed significantly since 1985. The 2025 Windstorm conference had more of a Texas flare … The post Thoughts From a Policyholder Attorney of 40 Years About the 2025 Windstorm Conference appeared first on Property Insurance Coverage Law Blog.

Policyholder 186

Policyholder Property Insurance Insurance Claim Claim 186

Property Insurance Coverage Law

NOVEMBER 18, 2024

This distinction remains critically important for today’s insurance practitioners and policyholders alike. This post is a follow-up to Where Did the Proof of Loss … The post Proof of Loss Requirements: A 222-Year-Old Case Still Relevant for Modern Insurance Claims appeared first on Property Insurance Coverage Law Blog.

Insurance Claim 203

Insurance Claim Claim Policyholder Property Insurance 203

Insurance Journal

NOVEMBER 21, 2024

Officials with Florida’s Citizens Property Insurance Corp. took issue Thursday with a number of national and Florida news reports that have suggested that the insurer has the “worst rate” on paying claims after recent hurricanes. “That’s just not accurate,” Citizens …

Claim 279

Claim Property Insurance Insured Insurance 279

Property Insurance Coverage Law

OCTOBER 22, 2024

Policyholders and public adjusters need to be aware that National Flood Insurance claims are very technical with demanding deadlines that must be met.

Claim 202

Claim Policyholder Property Insurance Insurance Claim 202

Prof. Allan Manning

JULY 29, 2024

Realising the importance of ongoing learning, LMI held their annual conference for the claims team in Sydney last week. During the conference it was appropriate to acknowledge and present 10 year service awards to Caroline Stevens from LMI Forensics and Georg Froeschl from LMI Claims.

Claim 214

Claim Business Interruption License Policy 214

Property Insurance Coverage Law

JANUARY 12, 2025

Merlin Law Group California attorney Dan Veroff, who was a former staff attorney for United Policyholders (UP), advised policyholders suffering from a California wildfire to attend events by United Policyholders in Theres a Wildfire Burning What Do I … The post California Fire Insurance Claim InformationUnited Policyholders to the Rescue!

Policyholder 130

Policyholder Insurance Claim Claim Property Insurance 130

Property Insurance Coverage Law

OCTOBER 11, 2024

The Florida Department of Financial Services (DFS) issued Emergency Rule 69BER24-4, which aims to address issues in the property insurance claims process. While the rule attempts to improve transparency and accountability, it raises several concerns and potential unintended consequences.

License 189

License Claim Property Insurance Insurance Claim 189

Property Insurance Coverage Law

MARCH 29, 2025

When policyholders file an insurance claim, they expect their insurer to pay losses. A recent case brought to my attention by attorney Steve Badger involving homeowner Ebony Mitchell and … The post How To Lose a Causation Case: Special Rules in Texas appeared first on Property Insurance Coverage Law Blog.

Policyholder 100

Policyholder Property Insurance Insurance Claim Claim 100

Protect Commercial Insurance

APRIL 11, 2025

Navigating the world of insurance can feel overwhelming, especially when it comes to understanding commercial property insurance. This friendly guide will walk you through the essentials of commercial property insurance, helping you protect your business premises and assets with confidence. Let’s dive in!

Commercial Property 52

Commercial Property Property Insurance Commercial Insured 52

Property Insurance Coverage Law

OCTOBER 7, 2024

FAPIA Vice President Frank Altieri noted that federal law applied and that the Florida regulations regarding providing a contract to the insurer do not apply. Instead, federal flood adjusters require a … The post Letter of Representation for National Flood Insurance Claims appeared first on Property Insurance Coverage Law Blog.

Insurance Claim 113

Insurance Claim Claim Property Insurance Insured 113

Property Insurance Coverage Law

FEBRUARY 5, 2025

A recent viral social media post following the California wildfires has brought to light a critical issue: homeowners are finding their insurance claims denied because their properties are held in trusts, yet the trusts are not listed on their insurance policies.

Insurance Claim 124

Insurance Claim Claim Insurance Policy Insured 124

Property Insurance Coverage Law

MARCH 10, 2025

Fraud allegations in insurance disputes are serious business. When an insurer claims a policyholder intentionally misrepresented facts, its essentially saying, “You lied, and we dont have to pay.”

Policyholder 100

Policyholder Property Insurance Insurance Claim Claim 100

Property Insurance Coverage Law

OCTOBER 6, 2024

Many ask why they are required to pay for flood insurance because it does not pay for … The post Hurricane Helene Flood Insurance Claims and Elevated Building Issues? Refer to the Visual Flood Adjusters Use appeared first on Property Insurance Coverage Law Blog.

Building 130

Building Insurance Claim Claim Policyholder 130

Property Insurance Coverage Law

OCTOBER 8, 2024

While speaking at the Florida Association of Public Insurance Adjusters Fall Conference regarding National Flood Insurance claims, I promised to blog about a recent case that made its way through the federal courts.

Insurance Claim 203

Insurance Claim Property Insurance Claim Insured 203

Insurance Journal

DECEMBER 8, 2024

When hurricanes hit coastal areas, property insurers often breathe a sigh of relief when much of the damage appears to be the result of storm surge and flooding losses that aren’t covered by most homeowners’ policies. But after Hurricane …

Claim 246

Claim Damage Property Insurance Policy 246

Property Insurance Coverage Law

JANUARY 1, 2025

This New Year has me thinking about a post I wrote twelve years ago, Oh the Places You Will GoEspecially in the Insurance Claim Industry. I made the following remark, which, for me, is still true today: The insurance claim industry is especially fun if you enjoy travel and meeting interesting people.

Insurance Claim 189

Insurance Claim Property Insurance Claim Insured 189

Property Insurance Coverage Law

SEPTEMBER 5, 2024

Insurance companies that wrongly deny or underpay property insurance claims are finding a golden financial opportunity that provides an incentive for them to wrongfully underpay and deny claims—they escape the payment of the replacement cost valuation they promised to their policyholders.

Policyholder 189

Policyholder Property Insurance Insurance Claim Claim 189

Insurance Journal

NOVEMBER 4, 2024

North Carolina Insurance Commissioner Mike Causey is reminding property insurers to refrain from raising homeowners’ premiums just because an insured filed a claim or inquiry in order to qualify for flood insurance indemnity or federal assistance. In most cases, the …

Premium 264

Premium Underwriter Underwriting Property Insurance 264

Property Insurance Coverage Law

AUGUST 7, 2024

Wildfire season is here, and if you’ve experienced a loss, navigating your insurance claim can be daunting. Here’s what Californians need to know on day one to get your claim off on the right footing. appeared first on Property Insurance Coverage Law Blog.

Property Insurance 203

Property Insurance Insurance Claim Claim Insured 203

Property Insurance Coverage Law

JANUARY 26, 2025

Is an Invasion Covered Under a Commercial Insurance Policy? appeared first on Property Insurance Coverage Law Blog. where I gave a short explanation of the day: Tampas Mayor refused to hand over the keys to the city on Tuesday to … The post Pirates Invade Tampa!

Commercial Insurance 202

Commercial Insurance Insurance Policy Commercial Policy 202