Claim, Insurer and Policyholder - Insurance Industry Brief

Florida Policyholders Are Upset with Stupid Denials of Claims

Property Insurance Coverage Law

FEBRUARY 17, 2025

The Florida House Committee on Banking and Insurance seemed to have many constituents upset with delays and denials when I was testifying in front of them a month ago. The insurance representative tried to explain that many of the denials were because most policies do not cover flood.

Policyholder

Policyholder Claim Property Insurance Policy

Florida Insurance Regulators Demand Fair Treatment for Policyholders

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

Policyholder Property Insurance Damage Insurance Claim

Partial Denials Start Statute of Limitations Time Clock in National Flood Claims

Property Insurance Coverage Law

APRIL 14, 2025

When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. One of the most important phrases to recognize is: “We denied a portion of your claim.”

Claim

Claim Policyholder Property Insurance Insurer

Fighting for Policyholder Rights: Florida Bad Faith Law

Property Insurance Coverage Law

FEBRUARY 28, 2025

When a hurricane damages your home, you expect your insurance company to play fair. But what happens when insurers undervalue claims, drag out disputes, and then hide behind new laws to avoid accountability? Scottsdale Insurance Companya case that delivered a crucial victory for policyholders in Florida.

Policyholder

Policyholder Property Insurance Damage Insurance Companies

Policyholder Prevails in Bad Faith Lawsuit

Property Insurance Coverage Law

FEBRUARY 19, 2025

As hurricane claims attorneys on both sides of the v. in litigation know, a fundamental tenet of Louisiana Law is that [A]n insurer has a continuing duty of good faith and fair dealing which extends throughout the litigation period. As hurricane claims attorneys on both sides of the v.

Policyholder

Policyholder Property Insurance Claim Insurer

Avoid Claim Denials: Key Policyholder Duties After a Loss

Property Insurance Coverage Law

MARCH 11, 2025

All insurance policies include a section placing specific responsibilities and obligations on policyholders to act in a certain way before entitling them to policy benefits for what should be a covered loss.

Policyholder

Policyholder Claim Property Insurance Insurance Policy

Partial Denials Start Statute of Limitations Time Clock in National Flood Claims

Property Insurance Coverage Law

APRIL 14, 2025

When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. One of the most important phrases to recognize is: “We denied a portion of your claim.”

Claim

Claim Policyholder Property Insurance Insurer

When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling

Property Insurance Coverage Law

FEBRUARY 14, 2025

The latest revelations about Allstates use of artificial intelligence (AI) in drafting insurance claims emails should serve as a wake-up call for policyholders, insurance regulators, and insurance industry claims handlers.

Claim

Claim Policyholder Property Insurance Insurance Claim

Fighting for Policyholder Rights: Florida Bad Faith Law

Property Insurance Coverage Law

FEBRUARY 28, 2025

When a hurricane damages your home, you expect your insurance company to play fair. But what happens when insurers undervalue claims, drag out disputes, and then hide behind new laws to avoid accountability? Scottsdale Insurance Companya case that delivered a crucial victory for policyholders in Florida.

Policyholder

Policyholder Property Insurance Damage Insurance Companies

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

Property Insurance Coverage Law

JANUARY 30, 2025

A recent federal court decision favoring Liberty Mutual Insurance Company in a pipe burst claim1 left me thinking about two lessons. First, this case strongly reminds policyholders to be aware of time limits in their insurance policies and take action as soon as they believe their claim is not being handled fairly.

Claim

Claim Policyholder Property Insurance Insurance Policy

When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling

Property Insurance Coverage Law

FEBRUARY 14, 2025

The latest revelations about Allstates use of artificial intelligence (AI) in drafting insurance claims emails should serve as a wake-up call for policyholders, insurance regulators, and insurance industry claims handlers.

Claim

Claim Policyholder Property Insurance Insurance Claim

Thoughts From a Policyholder Attorney of 40 Years About the 2025 Windstorm Conference

Property Insurance Coverage Law

JANUARY 29, 2025

I formally started a policyholder law firm 40 years ago today. It seems like yesterday, but the world of property insurance claims has changed significantly since 1985. I mentioned that during my presentation yesterday at the Windstorm Conference while explaining how my perspective has developed.

Policyholder

Policyholder Property Insurance Insurance Claim Claim

Is State Farm Financially Struggling? A Deeper Look at Its Corporate Structure and Growing Losses—Should Policyholders Dump State Farm?

Property Insurance Coverage Law

FEBRUARY 6, 2025

For decades, State Farm has been one of the most recognized and trusted insurance brands in the United States. However, an article in Claims Journal,State Farm Seeking Interim 22% Rate Hike for … The post Is State Farm Financially Struggling? appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Property Insurance Claim Insurer

Thoughts From a Policyholder Attorney of 40 Years About the 2025 Windstorm Conference

Property Insurance Coverage Law

JANUARY 29, 2025

I formally started a policyholder law firm 40 years ago today. It seems like yesterday, but the world of property insurance claims has changed significantly since 1985. I mentioned that during my presentation yesterday at the Windstorm Conference while explaining how my perspective has developed.

Policyholder

Policyholder Property Insurance Insurance Claim Claim

Tennessee DCI Returns $9.5M to Policyholders in Mediated Claims Disputes

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

Policyholder Claim Insurance Claim Property Insurance

Is State Farm Financially Struggling? A Deeper Look at Its Corporate Structure and Growing Losses—Should Policyholders Dump State Farm?

Property Insurance Coverage Law

FEBRUARY 6, 2025

For decades, State Farm has been one of the most recognized and trusted insurance brands in the United States. However, an article in Claims Journal,State Farm Seeking Interim 22% Rate Hike for … The post Is State Farm Financially Struggling? appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Property Insurance Claim Insurer

Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim

Property Insurance Coverage Law

FEBRUARY 3, 2025

We speak deeply about policyholder issues and his heart is always in the right place.

Damage

Damage Claim Property Insurance Policyholder

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

Property Insurance Coverage Law

JANUARY 30, 2025

A recent federal court decision favoring Liberty Mutual Insurance Company in a pipe burst claim1 left me thinking about two lessons. First, this case strongly reminds policyholders to be aware of time limits in their insurance policies and take action as soon as they believe their claim is not being handled fairly.

Claim

Claim Policyholder Property Insurance Insurance Policy

Avoid Claim Denials: Key Policyholder Duties After a Loss

Property Insurance Coverage Law

MARCH 11, 2025

All insurance policies include a section placing specific responsibilities and obligations on policyholders to act in a certain way before entitling them to policy benefits for what should be a covered loss.

Policyholder

Policyholder Claim Property Insurance Insurance Policy

Hurricane Helene and Milton Survivors Navigating Insurance Claims and Recovery: United Policyholders’ Roadmap to Recovery Program Offers Crucial Support

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

Policyholder Insurance Claim Claim Property Insurance

Policyholders Beware of Whom You Hire Regarding Your National Flood Insurance Claim

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

Policyholder Insurance Claim Claim Property Insurance

Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments

Property Insurance Coverage Law

FEBRUARY 10, 2025

Thats the reality policyholders face when insurance companies delay or wrongfully deny claims, only to make a late payment after an appraisal and walk away without any real accountability. Imagine a world where breaking the rules carries no real consequences. Last weeks decision in Mirelez v.

Policyholder

Policyholder Property Insurance Insurance Companies Insurer

CBS 60 Minutes to Run Story Regarding Altered Insurance Estimates Resulting in Fraudulent Underpayments to Policyholders

Property Insurance Coverage Law

SEPTEMBER 27, 2024

The American Policyholders Association (APA) has reported that CBS 60 Minutes is running a story this Sunday evening about altered estimates by claims managers, which result in underpayments to policyholders.

Policyholder

Policyholder Property Insurance Insurer Insurance

Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments

Property Insurance Coverage Law

FEBRUARY 10, 2025

Thats the reality policyholders face when insurance companies delay or wrongfully deny claims, only to make a late payment after an appraisal and walk away without any real accountability. Imagine a world where breaking the rules carries no real consequences. Last weeks decision in Mirelez v.

Policyholder

Policyholder Property Insurance Insurance Companies Insurer

Insurance Company Prevails in Hail Damage Claim Dispute—Policyholders Need to Hire Experts Right Away and Provide Access to Information

Property Insurance Coverage Law

SEPTEMBER 26, 2024

A recent federal court ruling in Missouri highlights the critical importance of admissible expert testimony in property insurance disputes.

Policyholder

Policyholder Insurance Companies Damage Claim

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

Property Insurance Coverage Law

MARCH 26, 2025

Property insurance adjustersboth company-employed and independentserve as the backbone of the claims process, ensuring that policyholders receive the full benefits of their coverage as swiftly and fairly as possible.

Property Insurance

Property Insurance Policyholder Damage Claim

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

Property Insurance Coverage Law

MARCH 26, 2025

Property insurance adjustersboth company-employed and independentserve as the backbone of the claims process, ensuring that policyholders receive the full benefits of their coverage as swiftly and fairly as possible.

Property Insurance

Property Insurance Policyholder Damage Claim

FEMA to Borrow $2B to Pay Flood Claims After Hurricanes Helene and Milton

Insurance Journal

FEBRUARY 12, 2025

Treasury to cover claims from National Flood Insurance Program policyholders. The Federal Emergency Management Agency said it needs to borrow $2 billion from the U.S. FEMA, administrator of NFIP, said it expects to pay out more than $10 billion in …

Claim

Claim Policyholder Insurer Insurance

Insurer’s Fraud and Valuation Arguments Fall Flat: Court Sends Key Issues to the Jury

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

Policyholder Property Insurance Insurance Claim Claim

Agents Report Limited Damage But More Claims Expected As Floridians Return Home

Insurance Journal

OCTOBER 11, 2024

Insurance agents and carriers in the path of Hurricane Milton reported only minor damage to their own offices and homes but a rapidly growing number of claims from residential and commercial policyholders for roof, flood and auto damage. The Florida …

Damage

Damage Agents Claim Policyholder

Is Allstate Taking Advantage of Policyholders?

Property Insurance Coverage Law

JANUARY 17, 2025

As a loyal policyholder, you expect your insurance provider to prioritize your safety, security, and trust. If the claims within the Texas lawsuit 1 are accurate, Allstate has been secretly collecting sensitive driver data … The post Is Allstate Taking Advantage of Policyholders?

Policyholder

Policyholder Property Insurance Claim Insurer

Hurricane Helene National Flood Insurance Claims—What to Expect

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

Insurance Claim Claim Policyholder Property Insurance

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

Property Insurance Coverage Law

MARCH 2, 2025

State Farm policyholders should be aware of its companys water damage claims processes, as noted in State Farms Water Protocol. After reading the facts and allegations of a recent water claim denial, I would suggest they also should be concerned with alleged experts providing opinions about the cause of water losses.

Insurance Companies

Insurance Companies Damage Policyholder Property Insurance

Should Citizens Do More to Assist With Coming Flood Claims in Florida? Can it?

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

Claim Policyholder Property Insurance Insurance Claim

Old Damage, New Claim: Davies Risk Head Notes Rise in ‘Soft Fraud’ in Southeast

Insurance Journal

DECEMBER 2, 2024

With multiple hurricanes rocking Florida and other parts of the Southeast this year, claims professionals have said they are seeing a trend toward “soft fraud,” with more policyholders attempting to include older or unrelated damage in recent storm claims, and …

Damage

Damage Claim Policyholder Risk

Florida CFO Bars Insurers From Altering Adjusters’ Reports Without Explanation

Insurance Journal

OCTOBER 9, 2024

Almost two years after a group of independent claims adjusters alleged that insurers had deceptively altered their damage estimates and low-balled policyholders, Florida’s chief financial officer has issued an emergency rule barring similar actions in Hurricane Milton claims. “Any move …

Policyholder

Policyholder Claim Damage Insurer

Progressive to Pay $48M to New York Drivers Over Underpaid Total Loss Claims

Insurance Journal

AUGUST 4, 2024

Simpson Progressive Insurance has agreed to a $48 million settlement with a class of 93,000 New York policyholders who claim the insurer underpaid their total loss claims on their vehicles. By Andrew G. The $48 million represents approximately 54% of …

Claim

Claim Policyholder Insurer Insurance

Policyholders and Public Adjusters Often Need to Hire Their Own Experts—Part Two

Property Insurance Coverage Law

JANUARY 6, 2025

In yesterdays post, Policyholders and Public Adjusters Often Need to Hire Their Own Experts, the court found that the insurance policy did not provide coverage for the claimed damages for two primary reasons.1

Policyholder

Policyholder Damage Property Insurance Insurance Policy

California Fire Insurance Claim Information—United Policyholders to the Rescue!

Property Insurance Coverage Law

JANUARY 12, 2025

United Policyholders offers the best advice to policyholders about how to recover from the recent wildfires. appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Insurance Claim Claim Property Insurance

The Façade of Consumer Protection: How Florida’s Political Leadership Continues to Favor Insurance Companies Over Policyholders — Are Florida’s Politicians in Bed with the Insurance Industry?

Property Insurance Coverage Law

OCTOBER 23, 2024

While Jimmy Patronis and Governor DeSantis trumpet their latest emergency rule as consumer protection following the CBS 60 Minutes Expose noted in CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management, the reality reveals a different story.

Policyholder

Policyholder Insurance Companies Insurance Industry Protection

Congressional Representatives Demand Action on Hurricane Insurance Claims Following 60 Minutes Exposé

Property Insurance Coverage Law

NOVEMBER 7, 2024

In a significant development for policyholders affected by Hurricanes Helene and Milton, House Oversight Democrats have taken decisive action to protect hurricane victims from potential insurance fraud.

Insurance Claim

Insurance Claim Claim Policyholder Property Insurance

One Example of How Florida’s Politicians Harmed Florida Policyholders By Passing Insurance Lobby Laws

Property Insurance Coverage Law

OCTOBER 28, 2024

This is Florida law regarding when an insurance company must start investigating an insurance claim: 3)(a) Unless otherwise provided by the policy of insurance or by law, within 7 days after an insurer receives proof-of-loss statements, the insurer shall begin such investigation as is reasonably necessary unless the failure to begin such investigation (..)

Policyholder

Policyholder Property Insurance Insurance Claim Claim

CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management

Property Insurance Coverage Law

SEPTEMBER 30, 2024

In a shocking exposé aired last night on CBS’s 60 Minutes, allegations of widespread insurance fraud by insurance companies following Hurricane Ian were exposed.

Insurance Companies

Insurance Companies Damage Claim Property Insurance

Lack of Insurable Interest Precludes Recovery for Property Damage

The Property Insurance Law Observer

MARCH 20, 2025

Hawley Insurance Co. 2025)), the United States District Court for the Southern District of New York determined that the plaintiff lacked an insurable interest in property it insured because it did not own or possess the property or suffer economic loss due to the propertys destruction. Hawley Insurance Co.

Property Damage

Property Damage Damage Insurer Insurance

Florida Policyholders Are Upset with Stupid Denials of Claims

Florida Insurance Regulators Demand Fair Treatment for Policyholders

Trending Sources

Partial Denials Start Statute of Limitations Time Clock in National Flood Claims

Fighting for Policyholder Rights: Florida Bad Faith Law

Policyholder Prevails in Bad Faith Lawsuit

Avoid Claim Denials: Key Policyholder Duties After a Loss

Partial Denials Start Statute of Limitations Time Clock in National Flood Claims

When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling

Fighting for Policyholder Rights: Florida Bad Faith Law

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling

Thoughts From a Policyholder Attorney of 40 Years About the 2025 Windstorm Conference

Is State Farm Financially Struggling? A Deeper Look at Its Corporate Structure and Growing Losses—Should Policyholders Dump State Farm?

Thoughts From a Policyholder Attorney of 40 Years About the 2025 Windstorm Conference

Tennessee DCI Returns $9.5M to Policyholders in Mediated Claims Disputes

Is State Farm Financially Struggling? A Deeper Look at Its Corporate Structure and Growing Losses—Should Policyholders Dump State Farm?

Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

Avoid Claim Denials: Key Policyholder Duties After a Loss

Hurricane Helene and Milton Survivors Navigating Insurance Claims and Recovery: United Policyholders’ Roadmap to Recovery Program Offers Crucial Support

Policyholders Beware of Whom You Hire Regarding Your National Flood Insurance Claim

Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments

CBS 60 Minutes to Run Story Regarding Altered Insurance Estimates Resulting in Fraudulent Underpayments to Policyholders

Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments

Insurance Company Prevails in Hail Damage Claim Dispute—Policyholders Need to Hire Experts Right Away and Provide Access to Information

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

FEMA to Borrow $2B to Pay Flood Claims After Hurricanes Helene and Milton

Insurer’s Fraud and Valuation Arguments Fall Flat: Court Sends Key Issues to the Jury

Agents Report Limited Damage But More Claims Expected As Floridians Return Home

Is Allstate Taking Advantage of Policyholders?

Hurricane Helene National Flood Insurance Claims—What to Expect

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

Should Citizens Do More to Assist With Coming Flood Claims in Florida? Can it?

Old Damage, New Claim: Davies Risk Head Notes Rise in ‘Soft Fraud’ in Southeast

Florida CFO Bars Insurers From Altering Adjusters’ Reports Without Explanation

Progressive to Pay $48M to New York Drivers Over Underpaid Total Loss Claims

Policyholders and Public Adjusters Often Need to Hire Their Own Experts—Part Two

California Fire Insurance Claim Information—United Policyholders to the Rescue!

The Façade of Consumer Protection: How Florida’s Political Leadership Continues to Favor Insurance Companies Over Policyholders — Are Florida’s Politicians in Bed with the Insurance Industry?

Congressional Representatives Demand Action on Hurricane Insurance Claims Following 60 Minutes Exposé

One Example of How Florida’s Politicians Harmed Florida Policyholders By Passing Insurance Lobby Laws

CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management

Lack of Insurable Interest Precludes Recovery for Property Damage

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