Understanding Leadership from Inside the Insurance Claims Machine: Reflections on Mike Fiato’s Vision
Property Insurance Coverage Law
MAY 13, 2025
Among those testifying is Mike Fiato, Executive Vice President and Chief Claims Officer at Allstate.
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Understanding Leadership from Inside the Insurance Claims Machine: Reflections on Mike Fiato’s Vision
Property Insurance Coverage Law
MAY 13, 2025
Among those testifying is Mike Fiato, Executive Vice President and Chief Claims Officer at Allstate.
Insurance Claim 
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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.
How Iran Oil Link Could Complicate Insurance Claims After Tankers Collide Off Singapore
Insurance Journal
AUGUST 5, 2024
A collision between two tankers off Singapore in July raises questions over insurance claims, as one of the vessels previously shipped Iranian oil, potentially complicating payments due to Western sanctions, ship-trackers and industry sources say. What Happened? The Singapore-flagged Hafnia …
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Navigating Flood Insurance Claims from Hurricane Helene
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.
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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.
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What to Do After Filing the Insurance Claim
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.
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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.
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Do You Understand and Appreciate the Role of the PLRB in Property Insurance Claims?
Property Insurance Coverage Law
APRIL 6, 2025
When I was first starting in the property insurance claim field in the early 1980s, I can still recall my mentor, Paul Butler, excitedly talking about going to the PLRB conference. He spoke of the highly sophisticated level of insurance claims personnel and the presenters.
Do You Understand and Appreciate the Role of the PLRB in Property Insurance Claims?
Property Insurance Coverage Law
APRIL 6, 2025
When I was first starting in the property insurance claim field in the early 1980s, I can still recall my mentor, Paul Butler, excitedly talking about going to the PLRB conference. He spoke of the highly sophisticated level of insurance claims personnel and the presenters.
Congressional Representatives Demand Action on Hurricane Insurance Claims Following 60 Minutes Exposé
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.
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Insurance Claims Confirm Many Israeli Structures Damaged in Iran Attack
Insurance Journal
OCTOBER 14, 2024
Damage to private property from Iran’s recent missile barrage on Israel amounted to 150 million to 200 million shekels ($40 million to $53 million), according to figures provided by Israel’s tax authority, making it the costliest since the start of …
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Trust or Family Trust Owns Your Home? Beware of Insurance Complications to Avoid Insurance Claim Denials
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.
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Delay, Deny, Defend Professor Offers Suggestions for Meaningful Insurance Claims Reform
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.
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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.
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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Why You Must Bring More Than Invoices: What Public Adjusters and Policyholders Must Learn About Proof of Damages
Property Insurance Coverage Law
MAY 8, 2025
In a recent decision that should raise red flags for public adjusters and policyholders, a federal judge granted summary judgment in favor of Indian Harbor Insurance Company. 1 The ruling is a lesson that when it comes to insurance claims and litigation, it is not enough to argue about fairness or merely present repair invoices.
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What to Do If Your Insurance Claim Is denied
Agency Height
MAY 8, 2025
What to Do If Your Insurance Claim Is Denied? This guide explains your rights, appeal options, and how to handle a denied insurance claim.
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.
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Introducing CognilinkClaims: Sutherland’s Latest AI Breakthrough in Insurance Claims Management
Insurance Journal
AUGUST 8, 2024
August 8, 2024 — Sutherland is excited to introduce CognilinkClaims™, an innovative AI-powered solution that integrates Classic AI and Generative AI capabilities to redefine and streamline the entire claims process. Pittsford, NY. This advanced AI solution represents a significant advancement …
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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.
How to Process Your Car Insurance Claim in Germany
Top Insurance Blogs
APRIL 22, 2025
As someone who has insured my car in Germany for over 20 years and spent a decade working as an insurance agent, I’ve seen the ins and outs of the car insurance industry. Whether you’re a citizen or an expat living in Germany, understanding how to process a car insurance claim is important.
Ruling on Field Stands: Philadelphia Eagles Denied Covid-19 Insurance Claim
Insurance Journal
DECEMBER 16, 2024
The Philadelphia Eagles football team has lost its bid for federal court reconsideration of the dismissal of the team’s claim for insurance coverage for COVID-19 losses. The Eagles tossed a red flag in November after the federal district for Eastern …
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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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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.”
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Man Charged With Filing $50K in Fraudulent iPhone Insurance Claims
Insurance Journal
FEBRUARY 3, 2025
A Connecticut man has been arrested and charged with insurance fraud for allegedly running a scam involving filing fraudulent insurance claims for iPhones. Connecticut State Police said its investigation linked Esmaylin Delacruz of Milford to at least $50,000 in value …
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What Would Be the Best Reason for a Late Submission of Insurance Claim?
Top Insurance Blogs
APRIL 18, 2025
How long your submission of insurance claim takes depends on your insurer’s terms. appeared first on My Top Insurance Blogs.
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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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. As Florida residents, we know that hurricane season can be relentless.
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How Big Was the Cat? Investigator Warns About Claims of Clogged Toilets
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 …
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How to Develop a Good Relationship With Your Insurance Claims Adjuster
Central Insurance
JUNE 19, 2024
Central's Vice President of our Central Regional Office, RJ Coleman, outlines some essential tips to help you develop a good relationship with your claims adjuster. The post How to Develop a Good Relationship With Your Insurance Claims Adjuster appeared first on Central Insurance Blog.
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California Fire Insurance Claim Information—United Policyholders to the Rescue!
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!
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130 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.
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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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People Moves: Willis Names Spinelli Head of Transactional Insurance Claims; Amadori Joins Zurich From Markel to Head Management Liability
Insurance Journal
APRIL 10, 2025
Willis, a WTW business headquartered in New York City, appointed Dom Spinelli as head of transactional insurance claims for North America. He leads the claims function within Willis’ Alternative Asset Insurance Solutions (AAIS) industry vertical division, overseeing the entire life …
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Claims Satisfaction Leaders Reveal Secrets to Success
Insurance Journal
DECEMBER 25, 2024
What is the secret to an insurance claims experience that satisfies customers? Power has conducted surveys and curated lists recognizing insurers that succeed at providing satisfactory claims experiences. Carrier Management recently asked claims leaders at two of … For years, J.D.
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The Role of the Examination Under Oath and Procedural Compliance with Insurer Demands
Property Insurance Coverage Law
MAY 7, 2025
I will deliver a presentation at the Annual Meeting of the National Association of Public Insurance Adjusters (NAPIA) next month, focusing on two cornerstones of property insurance claims: proofs of loss and examinations under oath. Its a topic I first addressed for NAPIA exactly forty years ago.
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.
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Letter of Representation for National Flood Insurance Claims
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.
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Trust or Family Trust Owns Your Home? Beware of Insurance Complications to Avoid Insurance Claim Denials
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.
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Colorado Man Who Aided Former Adjuster in $268K Auto Insurance Fraud Scheme Sentenced
Insurance Journal
AUGUST 1, 2024
A Colorado man who aided a former insurance claims adjuster in an auto insurance claims scheme was sentenced this week. In 2020, Brassfield, 55, of Aurora, reportedly aided former Travelers Insurance employee Colette Palin, 63, of Aurora in committing fraud.
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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 …
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Hurricane Helene Flood Insurance Claims and Elevated Building Issues? Refer to the Visual Flood Adjusters Use
Property Insurance Coverage Law
OCTOBER 6, 2024
I have received numerous calls from furious Hurricane Helene policyholders after learning how little coverage is afforded for the non-elevated floor of a multi-story building under their flood insurance policies. Refer to the Visual Flood Adjusters Use appeared first on Property Insurance Coverage Law Blog.
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Fla. DFS Offers to Check Contracts With Roofers, Adjusters; Tenn. Eyes Claims Denials
Insurance Journal
OCTOBER 30, 2024
Officials in two Southeastern states have taken steps to hold insurers or recipients of insurance funds accountable after Hurricanes Helene and Milton spurred thousands of insurance claims. The Tennessee Department of Commerce and Insurance reminded insurance carriers that they must …
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