Claim and Policyholder - Insurance Industry Brief

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

Insurance Journal

AUGUST 1, 2024

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

Policyholder

Policyholder Claim Insurance Claim Property Insurance

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

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 …

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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 (..)

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Policyholder Insurance Claim Claim Property Insurance

Florida Policyholders Are Upset with Stupid Denials of Claims

Property Insurance Coverage Law

FEBRUARY 17, 2025

Our firm was asked to represent a … The post Florida Policyholders Are Upset with Stupid Denials of Claims appeared first on Property Insurance Coverage Law Blog. 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

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 Insurance Insurer

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 Insurance

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 …

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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

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

In a case involving alleged hail damage to a commercial building, the court granted summary judgment in favor of the insurer, Charter Oak Fire Insurance Company, after excluding the policyholder’s expert witness.

Policyholder

Policyholder Insurance Companies Damage Claim

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

Insurance Journal

SEPTEMBER 25, 2024

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. Citizens Property Insurance Corp., “My question …

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Policyholder Prevails in Bad Faith Lawsuit

Property Insurance Coverage Law

FEBRUARY 19, 2025

As hurricane claims attorneys on both sides of the v. 1 Mental anguish, emotional distress, humiliation, aggravation, inconvenience, loss of property, loss of use, and defense … The post Policyholder Prevails in Bad Faith Lawsuit appeared first on Property Insurance Coverage Law Blog.

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Policyholder Property Insurance Claim 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

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 …

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Claim Policyholder Insurance 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

Policyholders, Public Adjusters, and Contractors Beware! Marshall Fire Claims Set to Expire on December 30, 2024 – What You Need to Know Now

Property Insurance Coverage Law

NOVEMBER 8, 2024

Sadly, almost three years after the Marshall Fire caused … The post Policyholders, Public Adjusters, and Contractors Beware! Marshall Fire Claims Set to Expire on December 30, 2024 – What You Need to Know Now appeared first on Property Insurance Coverage Law Blog.

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Policyholder Claim Property Insurance Damage

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.

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Policyholder Insurance Claim Claim Property Insurance

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.

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Claim Policyholder Property Insurance Insurance Claim

The Deadline to Properly Submit a Hurricane Ian Claim Is September 28 – Double Check Claim Submissions

Property Insurance Coverage Law

SEPTEMBER 21, 2024

Claims deadlines and submittals are no longer easy for Florida policyholders. It’s hard to keep up with all the changes to … The post The Deadline to Properly Submit a Hurricane Ian Claim Is September 28 – Double Check Claim Submissions appeared first on Property Insurance Coverage Law Blog.

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Claim Policyholder Property Insurance Insurance Companies

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

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 (..)

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Policyholder Property Insurance Insurance Claim Claim

National Flood Lessons: Strict Enforcement of Deadlines Dooms Policyholder’s Flood Claim—A Reopened Claim Does Not Stop the Ticking Time Bomb

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.

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Claim Policyholder Property Insurance Insurance Claim

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.

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Claim Policyholder Property Insurance Insurance Claim

Insurance Company’s Two-Year Claims Handling Waives Proof of Loss Requirement

Property Insurance Coverage Law

NOVEMBER 5, 2024

A recent Indiana Court of Appeals decision where Merlin Law Group’s Ed Eshoo was counsel for the policyholder provides a textbook example of how an insurance company’s conduct can waive strict policy requirements, even when attempting to preserve those rights through reservation letters.

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Claim Policyholder Insurance Companies Property Insurance

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 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

However, an article in Claims Journal,State Farm Seeking Interim 22% Rate Hike for … The post Is State Farm Financially Struggling? A Deeper Look at Its Corporate Structure and Growing LossesShould Policyholders Dump State Farm? appeared first on Property Insurance Coverage Law Blog.

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Policyholder Property Insurance Claim Insurance

Interior Damage Claims and the Exterior Damage Requirement—Where’s the Proof?

Property Insurance Coverage Law

SEPTEMBER 16, 2024

A federal judge ruled last week that policyholders eventually have to “put up or shut up” when it comes to proving that certain interior damages caused by a storm must be the result of damage to the exterior of a building, allowing water to damage the interior of a building.

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Damage Claim Policyholder Building

The Ongoing Issue of Field Adjuster Independence: Why Xactimate and Florida’s Emergency Rule are at Odds with Policyholders’ Interests

Property Insurance Coverage Law

OCTOBER 25, 2024

In my recent articles, 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 and Florida’s Emergency Ethical Rule Conflicts with Xactimate’s License Agreement – Another Example of Insurance Industry Control in Florida, (..)

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Michigan Takes a Stand: New Bulletin Prohibits Depreciation of Labor Costs in Property Insurance Claims

Property Insurance Coverage Law

SEPTEMBER 24, 2024

In a significant move to protect policyholders, the Michigan Department of Insurance and Financial Services (DIFS) issued a groundbreaking bulletin that explicitly prohibits insurers from depreciating labor costs when calculating actual cash value (ACV) in homeowner insurance claims.

Property Insurance

Property Insurance Insurance Claim Claim Policyholder

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

Navigating Hurricane Helene and Milton NFIP Claims: Documenting Repairs and Understanding Prior Damage Requirements

Property Insurance Coverage Law

OCTOBER 14, 2024

For National Flood Insurance Program (NFIP) policyholders, especially those who have experienced prior flood losses, understanding the documentation requirements for repairs is crucial.

Damage

Damage Claim Policyholder Property Insurance

Amendment to Louisiana Unfair Claims Settlement Practice Adds Weapon to the Policyholder’s Arsenal

Property Insurance Coverage Law

AUGUST 9, 2024

As we inch closer to the statistical height of the Hurricane Season, Louisiana policyholders need to be aware that very significant revisions affecting first-party claims … The post Amendment to Louisiana Unfair Claims Settlement Practice Adds Weapon to the Policyholder’s Arsenal appeared first on Property Insurance Coverage Law Blog.

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Claim Policyholder Property Insurance Insurance

Severity of Ransomware Attacks Rose 68% in First Half of 2024, Report Shows

Insurance Journal

NOVEMBER 3, 2024

Ransomware claims severity spiked by 68% to an average loss of $353,000, according to a new report by a cyber insurance provider. Coalition published its†2024 Cyber Claims Report: Mid-Year Update, which details emerging cyber trends and their impact on policyholders …

Cyber

Cyber Policyholder Claim Insurance

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

Property Insurance Coverage Law

SEPTEMBER 30, 2024

The investigative report featured testimony from whistleblowers who claim that insurance companies deliberately altered hurricane damage reports to underpay homeowners, leaving many Floridians struggling to rebuild their lives in the wake … The post CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage (..)

Insurance Companies

Insurance Companies Damage 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

However, an article in Claims Journal,State Farm Seeking Interim 22% Rate Hike for … The post Is State Farm Financially Struggling? A Deeper Look at Its Corporate Structure and Growing LossesShould Policyholders Dump State Farm? appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Property Insurance Claim Insurance

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

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

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.

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Claim Policyholder Property Insurance Insurance Policy

‘Board Certified’ Could Soon be an Advertising Thing for Florida Insurance Lawyers

Insurance Journal

NOVEMBER 6, 2024

By this time next year, plaintiffs lawyers, who have frequently been held up as thorns in the side of the Florida property insurance industry for their sometimes-aggressive pursuit of policyholder claims litigation, could have a stamp of credibility to brandish …

Policyholder

Policyholder Property Insurance Insurance Industry Claim

A Frank Discussion About Florida’s Insurance Crisis, Including Admissions About Why Current Claims Statistics Do Not Indicate the Sky Is Falling

Property Insurance Coverage Law

NOVEMBER 19, 2024

However, this candor only reinforces the troubling reality facing Florida’s policyholders.

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Claim Policyholder Property Insurance Insurance

Proof of Loss Requirements: A 222-Year-Old Case Still Relevant for Modern Insurance Claims

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

Insurance Claim Claim Policyholder Property Insurance

Explaining Deductibles After Multiple Florida Hurricanes

Insurance Journal

OCTOBER 15, 2024

They make insureds less likely to file smaller claims because either damage falls within the deductible, or is so close to it that the policyholder would rather not … Deductibles serve several purposes. They provide some premium relief for the insured.

Deductible

Deductible Policyholder Premium Damage

Dr. Roof or Dr. Roof Adjuster? Restoration Contractors and Roofers Need to Be Careful and Not Overstep into Adjusting Claims, Subjecting Them to Criminal Prosecution

Property Insurance Coverage Law

SEPTEMBER 19, 2024

Restoration Contractors and Roofers Need to Be Careful and Not Overstep into Adjusting Claims, Subjecting Them to Criminal Prosecution appeared first on Property Insurance Coverage Law Blog.

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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. He has always welcomed me since I first stepped foot in Texas.

Damage

Damage Claim Policyholder Property Insurance

Hurricane Katrina Claim Leads to Significant Punitive Damages Award—Mississippi Recognizes Common Law Obligations of Good Faith

Property Insurance Coverage Law

DECEMBER 7, 2024

The Mississippi Supreme Court has affirmed a $10 million punitive damages award against USAA for its bad faith handling of a Hurricane Katrina claim, sending a clear message about insurers’ obligations to their policyholders.1

Damage

Damage Claim Policyholder Property Insurance

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

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

Trending Sources

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

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

Florida Policyholders Are Upset with Stupid Denials of Claims

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

Is Allstate Taking Advantage of Policyholders?

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

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

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

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

Policyholder Prevails in Bad Faith Lawsuit

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

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

Hurricane Helene National Flood Insurance Claims—What to Expect

Policyholders, Public Adjusters, and Contractors Beware! Marshall Fire Claims Set to Expire on December 30, 2024 – What You Need to Know Now

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

When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling

The Deadline to Properly Submit a Hurricane Ian Claim Is September 28 – Double Check Claim Submissions

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?

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

National Flood Lessons: Strict Enforcement of Deadlines Dooms Policyholder’s Flood Claim—A Reopened Claim Does Not Stop the Ticking Time Bomb

When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling

Insurance Company’s Two-Year Claims Handling Waives Proof of Loss Requirement

Florida CFO Bars Insurers From Altering Adjusters’ Reports Without Explanation

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

Interior Damage Claims and the Exterior Damage Requirement—Where’s the Proof?

The Ongoing Issue of Field Adjuster Independence: Why Xactimate and Florida’s Emergency Rule are at Odds with Policyholders’ Interests

Michigan Takes a Stand: New Bulletin Prohibits Depreciation of Labor Costs in Property Insurance Claims

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

Navigating Hurricane Helene and Milton NFIP Claims: Documenting Repairs and Understanding Prior Damage Requirements

Amendment to Louisiana Unfair Claims Settlement Practice Adds Weapon to the Policyholder’s Arsenal

Severity of Ransomware Attacks Rose 68% in First Half of 2024, Report Shows

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

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

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

‘Board Certified’ Could Soon be an Advertising Thing for Florida Insurance Lawyers

A Frank Discussion About Florida’s Insurance Crisis, Including Admissions About Why Current Claims Statistics Do Not Indicate the Sky Is Falling

Proof of Loss Requirements: A 222-Year-Old Case Still Relevant for Modern Insurance Claims

Explaining Deductibles After Multiple Florida Hurricanes

Dr. Roof or Dr. Roof Adjuster? Restoration Contractors and Roofers Need to Be Careful and Not Overstep into Adjusting Claims, Subjecting Them to Criminal Prosecution

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

Hurricane Katrina Claim Leads to Significant Punitive Damages Award—Mississippi Recognizes Common Law Obligations of Good Faith

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