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 129

Policyholder Claim Property Insurance Insurance Policy 129

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 200

Policyholder Property Insurance Insurance Claim Claim 200

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.

Claim 204

Claim Policyholder Property Insurance Insurance Policy 204

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 201

Policyholder Property Insurance Claim Insurance 201

Property Insurance Coverage Law

FEBRUARY 3, 2025

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

Damage 193

Damage Claim Property Insurance Policyholder 193

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 186

Policyholder Property Insurance Insurance Claim Claim 186

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 187

Policyholder Property Insurance Claim Insurance 187

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

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.

Claim 179

Claim Policyholder Property Insurance Insurance Policy 179

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 100

Policyholder Claim Property Insurance Insurance Policy 100

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 187

Policyholder Property Insurance Insurance Claim Claim 187

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 199

Policyholder Property Insurance Insurance Companies Insurance 199

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 203

Property Insurance Insurance Claim Claim Policyholder 203

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 186

Policyholder Property Insurance Insurance Companies Insurance 186

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 246

Policyholder Property Insurance Insurance Insured 246

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

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 203

Policyholder Insurance Companies Damage Claim 203

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

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 128

Property Insurance Policyholder Damage Claim 128

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 128

Property Insurance Policyholder Damage Claim 128

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 203

Policyholder Property Insurance Claim Insurance 203

Property Insurance Coverage Law

JANUARY 24, 2025

In one case, he noted the following: As soon as an evacuation order was lifted in her neighborhood, Arlynn Page raced back to … The post California Smoke Soot and Ash ClaimsA Cause for Concern appeared first on Property Insurance Coverage Law Blog.

Claim 203

Claim Property Insurance Damage Insurance 203

Property Insurance Coverage Law

FEBRUARY 3, 2025

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

Damage 100

Damage Claim Property Insurance Policyholder 100

Property Insurance Coverage Law

MARCH 16, 2025

Public adjusters, policyholders, and attorneys keep asking me about the recent California smoke damage case where the court held that the smoke damage was not covered under the policy.I I noted: The key takeaway from the case is that the mere … The post Smoke Damage Claims appeared first on Property Insurance Coverage Law Blog.

Damage 100

Damage Claim Policyholder Property Insurance 100

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

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 203

Policyholder Damage Property Insurance Insurance Policy 203

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 143

Insurance Companies Damage Policyholder Property Insurance 143

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

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.

Policyholder 189

Policyholder Claim Property Insurance Damage 189

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.

Claim 189

Claim Policyholder Property Insurance Insurance Companies 189

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 306

Insurance Companies Damage Claim Property Insurance 306

Property Insurance Coverage Law

SEPTEMBER 25, 2024

In my basic course about property insurance coverage to public adjusters, and as a standard issue regarding case intake at Merlin Law Group, I first emphasize to always make certain the named insureds and clients have a right to bring the claims. appeared first on Property Insurance Coverage Law Blog.

Property Insurance 203

Property Insurance Insurance Policy Policy Insurance 203

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 214

Insurance Claim Claim Policyholder Property Insurance 214

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 214

Policyholder Insurance Companies Insurance Industry Protection 214

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 264

Policyholder Property Insurance Insurance Industry Claim 264

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 130

Policyholder Insurance Claim Claim Property Insurance 130