Claim and Property Insurance - Insurance Industry Brief

Examinations Under Oath in New York Property Insurance Claims

Property Insurance Coverage Law

JANUARY 23, 2025

When navigating contested property insurance claims, insured parties may receive a request from their insurer for an Examination Under Oath (EUO). It is a formal proceeding, not unlike a deposition, where an insured is required to answer questions under oath about their insurance claim.

Property Insurance

Property Insurance Insurance Claim Claim Insurer

Are Catastrophe Claims Adjusters Being Overworked, Provided Too Many Losses to Properly Handle, Provided Wrong Directions to Adjust Losses, or Simply Being Asked to Adjust Claims In a Manner Not Reflecting Good Faith Claims Handling?

Property Insurance Coverage Law

JANUARY 22, 2025

I am snowed in after taking the deposition of a 1099 temporary claims adjuster in South Carolina. Much of his testimony has me thinking about the plight of the modern independent claims adjuster doing catastrophe work. During his deposition, the independent catastrophe adjuster said he had asked to have his claims load reduced.

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Claim Property Insurance Insurer Insured

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

Are Catastrophe Claims Adjusters Being Overworked, Provided Too Many Losses to Properly Handle, Provided Wrong Directions to Adjust Losses, or Simply Being Asked to Adjust Claims In a Manner Not Reflecting Good Faith Claims Handling?

Property Insurance Coverage Law

JANUARY 22, 2025

I am snowed in after taking the deposition of a 1099 temporary claims adjuster in South Carolina. Much of his testimony has me thinking about the plight of the modern independent claims adjuster doing catastrophe work. During his deposition, the independent catastrophe adjuster said he had asked to have his claims load reduced.

Claim

Claim Property Insurance Insurer Insured

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

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

Property Insurance Coverage Law

FEBRUARY 3, 2025

We have battled insurance companies, co-counseled on cases, and discussed property insurance case law at a depth most … The post Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim appeared first on Property Insurance Coverage Law Blog.

Damage

Damage Claim Property Insurance Policyholder

Florida Policyholders Are Upset with Stupid Denials of Claims

Property Insurance Coverage Law

FEBRUARY 17, 2025

The insurance representative tried to explain that many of the denials were because most policies do not cover flood. 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.

Policyholder

Policyholder Claim Property Insurance Policy

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

California FAIR Plan: Ignoring Laws and Gouging Californians on Smoke Damage Claims

Property Insurance Coverage Law

MARCH 20, 2025

Welcome to the California FAIR Plan, an entity overseen by executives from California’s major admitted insurance carrierscarriers who evidently believe rules are for other people.

Damage

Damage Claim Property Insurance Policy

Florida Bill Would Limit AI in Claims Denials, Extend Bar on Execs, Raise Surplus Levels

Insurance Journal

MARCH 19, 2025

After years of rising insurance premiums, anger from homeowners, and recent reports about some property insurance carriers’ alleged diverting of profits, bills seen as “consumer friendly” continue to gain traction in the Florida Legislature. One of those bills, Senate Bill …

Insurance Carrier

Insurance Carrier Property Insurance Premium 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

California Smoke Soot and Ash Claims—A Cause for Concern

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.

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Claim Property Insurance Damage Insurer

New York Considers Making Property Insurers Cover Taxi Claims Losses

Insurance Journal

DECEMBER 12, 2024

New York is considering asking property and casualty insurers to cover the claims of insolvent taxi insurer American Transit Insurance Co., according to people familiar with the plans. That measure is one of several options under discussion as the state’s …

Property Insurance

Property Insurance Claim Casualty Insurance Insurer

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

Avoid Claim Denials: Key Policyholder Duties After a Loss

Property Insurance Coverage Law

MARCH 11, 2025

If policyholders ignore such obligations, insurance companies can try to delay payment or, in more extreme circumstances, even deny payment altogether for what … The post Avoid Claim Denials: Key Policyholder Duties After a Loss appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Claim Property Insurance Insurance Policy

New Florida Legislative Leaders Talk Tough on Property Insurance, But No Specific Plans

Insurance Journal

NOVEMBER 20, 2024

Florida’s newest legislative leaders on Tuesday rattled some sabers about property insurance rates and claims but offered no agenda for the upcoming session that begins in March, according to state news reports. Incoming Senate President Ben Albritton, R-Wauchula, warned insurers …

Property Insurance

Property Insurance Insurer Insured Insurance

Helene Claims in Florida Already More Than 65,700 – Far More than Idalia

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 …

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Claim Property Insurance Insurance Claim Insurer

The Regulatory Blind Spot: How Insurance Departments Fail to Detect Systemic Bad Faith Claims Practices

Property Insurance Coverage Law

OCTOBER 2, 2024

Recent investigative reporting by CBS’s 60 Minutes, noted in CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management, has exposed alleged widespread underpayments of claims and unethical claims practices in Florida’s property insurance industry.

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Claim Property Insurance Damage Insurance Industry

Milton’s 123,000 Claims So Far to Mean New Pressure on Reinsurance, Rate Hikes

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, …

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State Farm’s Water Protocol

Property Insurance Coverage Law

FEBRUARY 27, 2025

Meanwhile, State Farm has been busy suppressing the methods it uses to adjust water loss claims in Tong v. State Farm General Insurance Company. This case continues to shed light on State Farms handling … The post State Farms Water Protocol appeared first on Property Insurance Coverage Law Blog.

Property Insurance

Property Insurance Claim Insurance Companies Insurer

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

Florida Citizens’ Brass Tired of ‘Clickbait’ News on its Hurricane Claims Denials

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 …

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Construction Financing and Factoring of Insurance Receivables—MMA Related Case Sheds Light on Factors in the Property Insurance Claim Industry

Property Insurance Coverage Law

AUGUST 18, 2024

Property damage insurance claims funding by factoring companies is a relatively recent phenomenon in the property insurance claims industry.

Property Insurance

Property Insurance Insurance Claim Claim Property Damage

Hurricane Debby Florida Losses Top $121M; 60% of Claims Closed

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 …

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Is the Address Correct on the Property Insurance Policy?

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

Property Insurance Insurance Policy Policy Insurer

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

What to Expect after a California Wildfire Property Damage Event

Property Insurance Coverage Law

FEBRUARY 11, 2025

Will My Insurer Pay Me 100% of My Contents Claim After a Wildfire Loss? Californias Insurance Commissioner Thinks They Should Without an Inventory Experiencing the loss of your home and personal belongings in a wildfire is an unimaginable hardship.

Property Damage

Property Damage Damage Property Insurance 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

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 …

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Claim Policyholder Property Insurance Insurance Claim

Stay Informed: The Zelle Lonestar Lowdown – A Must-Read Newsletter for Property Insurance Professionals

Property Insurance Coverage Law

DECEMBER 3, 2024

For those battling insurance coverage issues in Texas, The Zelle Lonestar Lowdown offers invaluable monthly insights into Texas first-party property insurance law and claims.

Property Insurance

Property Insurance Insurer Insured Insurance

Smoke Damage Claims

Property Insurance Coverage Law

MARCH 16, 2025

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. wrote about that decision in California Wildfire Attorneys Consider Impact of New Smoke Caselaw.

Damage

Damage Claim Policyholder Property Insurance

Los Angeles Wildfire Smoke Claims: What Homeowners Need to Know

Property Insurance Coverage Law

MARCH 8, 2025

If youre a property owner dealing with lingering smoke odors, stained walls, or even hidden toxic particles, understanding your insurance rights is critical. A new … The post Los Angeles Wildfire Smoke Claims: What Homeowners Need to Know appeared first on Property Insurance Coverage Law Blog.

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Claim Property Insurance Damage Insurer

Avoid Claim Denials: Key Policyholder Duties After a Loss

Property Insurance Coverage Law

MARCH 11, 2025

If policyholders ignore such obligations, insurance companies can try to delay payment or, in more extreme circumstances, even deny payment altogether for what … The post Avoid Claim Denials: Key Policyholder Duties After a Loss appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Claim Property Insurance Insurance Policy

California Wildfire Attorneys Consider Impact of New Smoke Caselaw

Property Insurance Coverage Law

FEBRUARY 9, 2025

A Shift in Smoke Damage Claims Following Recent Holding California wildfire attorneys are closely analyzing a recent appellate court holding that sets a new precedent for smoke damage claims.1

Damage

Damage Property Insurance Claim Insurer

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.

Policyholder

Policyholder Property Insurance Damage Insurance 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

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

Property Insurance Coverage Law

FEBRUARY 3, 2025

We have battled insurance companies, co-counseled on cases, and discussed property insurance case law at a depth most … The post Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim appeared first on Property Insurance Coverage Law Blog.

Damage

Damage Claim Property Insurance Policyholder

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

AM Best: Wildfires Intensifying California’s Property Insurance Troubles

Insurance Journal

FEBRUARY 6, 2025

Wildfires are intensifying the problems in California’s property insurance market, according to a new commentary from AM Best. Those problems include a major insurer pullback from California in the past year, followed by the L.A. wildfires, which could result in …

Property Insurance

Property Insurance Insurer Insured 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. Last weeks decision in Mirelez v.

Policyholder

Policyholder Property Insurance Insurance Companies Insurer

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

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

Policyholder Property Insurance Insurance Claim 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

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? appeared first on Property Insurance Coverage Law Blog. A Deeper Look at Its Corporate Structure and Growing LossesShould Policyholders Dump State Farm?

Policyholder

Policyholder Property Insurance Claim Insurer

Residential Property Damage Lawyers Beware: Court Excludes Expert’s Estimate Finding an Estimate Is Not an Adjustment

Property Insurance Coverage Law

FEBRUARY 15, 2025

Hurricane claims attorneys know that the estimate of damages caused by a storm is the foundation of every favorable judgment and jury verdict.

Property Damage

Property Damage Damage Property Insurance Claim

Examinations Under Oath in New York Property Insurance Claims

Are Catastrophe Claims Adjusters Being Overworked, Provided Too Many Losses to Properly Handle, Provided Wrong Directions to Adjust Losses, or Simply Being Asked to Adjust Claims In a Manner Not Reflecting Good Faith Claims Handling?

Trending Sources

When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling

Are Catastrophe Claims Adjusters Being Overworked, Provided Too Many Losses to Properly Handle, Provided Wrong Directions to Adjust Losses, or Simply Being Asked to Adjust Claims In a Manner Not Reflecting Good Faith Claims Handling?

When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling

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

Florida Policyholders Are Upset with Stupid Denials of Claims

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

California FAIR Plan: Ignoring Laws and Gouging Californians on Smoke Damage Claims

Florida Bill Would Limit AI in Claims Denials, Extend Bar on Execs, Raise Surplus Levels

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

California Smoke Soot and Ash Claims—A Cause for Concern

New York Considers Making Property Insurers Cover Taxi Claims Losses

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

Avoid Claim Denials: Key Policyholder Duties After a Loss

New Florida Legislative Leaders Talk Tough on Property Insurance, But No Specific Plans

Helene Claims in Florida Already More Than 65,700 – Far More than Idalia

The Regulatory Blind Spot: How Insurance Departments Fail to Detect Systemic Bad Faith Claims Practices

Milton’s 123,000 Claims So Far to Mean New Pressure on Reinsurance, Rate Hikes

State Farm’s Water Protocol

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

Florida Citizens’ Brass Tired of ‘Clickbait’ News on its Hurricane Claims Denials

Construction Financing and Factoring of Insurance Receivables—MMA Related Case Sheds Light on Factors in the Property Insurance Claim Industry

Hurricane Debby Florida Losses Top $121M; 60% of Claims Closed

Is the Address Correct on the Property Insurance Policy?

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

What to Expect after a California Wildfire Property Damage Event

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

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

Stay Informed: The Zelle Lonestar Lowdown – A Must-Read Newsletter for Property Insurance Professionals

Smoke Damage Claims

Los Angeles Wildfire Smoke Claims: What Homeowners Need to Know

Avoid Claim Denials: Key Policyholder Duties After a Loss

California Wildfire Attorneys Consider Impact of New Smoke Caselaw

Florida Insurance Regulators Demand Fair Treatment for Policyholders

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

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

Policyholder Prevails in Bad Faith Lawsuit

AM Best: Wildfires Intensifying California’s Property Insurance Troubles

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

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

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

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

Residential Property Damage Lawyers Beware: Court Excludes Expert’s Estimate Finding an Estimate Is Not an Adjustment

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