Property Insurance Coverage Law

FEBRUARY 3, 2025

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

Damage 194

Damage Claim Property Insurance Policyholder 194

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

Property Insurance Coverage Law

APRIL 18, 2025

Safeco Insurance Company of America 1 serves as a timely reminder for claims professionals to revisit how to interpret actual cash value (ACV), replacement cost value (RCV), and general contractor overhead and profit (GCOP) under property insurance policies which define the terms.

Policyholder 100

Policyholder Claim Property Insurance Insurance Policy 100

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 200

Policyholder Property Insurance Insurance Companies Insurer 200

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 Insurer 186

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

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 180

Claim Policyholder Property Insurance Insurance Policy 180

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

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 306

Insurance Companies Damage Claim Property Insurance 306

Property Insurance Coverage Law

SEPTEMBER 27, 2024

As an attorney who has dedicated my career to representing policyholders, I’ve witnessed firsthand the challenges faced by Florida homeowners, businesses, condominium associations, and even government entities in the wake of natural disasters.

Insurance Companies 214

Insurance Companies Policyholder Property Insurance Insurer 214

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. These are some of … The post State Farm Water Damage Protocols and Insurance Company Expert Witnesses appeared first on Property Insurance Coverage Law Blog.

Insurance Companies 100

Insurance Companies Damage Policyholder Property Insurance 100

Property Insurance Coverage Law

MARCH 6, 2025

The concept of vexatious refusal to pay is a critical safeguard for Missouri policyholders. It ensures that insurance companies fulfill their obligations promptly and fairly.

Commercial Property 138

Commercial Property Policyholder Commercial Property Insurance 138

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, (..)

Policyholder 203

Policyholder License Insurance Industry Property Insurance 203

Property Insurance Coverage Law

DECEMBER 12, 2024

The issue raised in this title usually arises with policyholders not wanting to pay a public adjuster fee because the public adjuster service contract was not valid or the public adjusters license lapsed sometime during the contract. appeared first on Property Insurance Coverage Law Blog.

License 203

License Insurance Companies Policyholder Property Insurance 203

Property Insurance Coverage Law

NOVEMBER 12, 2024

In a significant victory for policyholders, a federal magistrate in Northern California recently rejected most of Federal Insurance Company’s (aka Chubb) attempts to vacate a substantial appraisal award in a Glass Fire case. The case, Pollock v.

Policyholder 203

Policyholder Insurance Companies Property Insurance Insurer 203

Property Insurance Coverage Law

AUGUST 19, 2024

A local investigative news article written by Kate Cimini of the … The post Let’s Get Tough on Drunk Driving but Not Have Any Penalties For the Drunk Driver: Making It Difficult For Policyholders To Collect On Debts Owed By Delaying and Underpaying Insurance Companies appeared first on Property Insurance Coverage Law Blog.

Policyholder 189

Policyholder Insurance Companies Property Insurance Insurance Industry 189

Property Insurance Coverage Law

MARCH 6, 2025

The concept of vexatious refusal to pay is a critical safeguard for Missouri policyholders. It ensures that insurance companies fulfill their obligations promptly and fairly.

Commercial Property 124

Commercial Property Policyholder Commercial Property Insurance 124

Property Insurance Coverage Law

SEPTEMBER 14, 2024

When I am finished beating up or getting beaten upon by various insurance company attorneys all over the country, I love to compete and beat up or get beaten upon by the best sailboat racers. I love true competition, and it is one reason why I love being the type of attorney that I am … The post “I Was Droned!”

Policyholder 188

Policyholder Risk Property Insurance Insurance Companies 188

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 189

Policyholder Property Insurance Insurance Claim Claim 189

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

AUGUST 17, 2024

The homeowners property insurance landscape is shifting rapidly, driven by advancements in artificial intelligence (AI) and surveillance technology.

Property Insurance 186

Property Insurance Insurer Insurance Insured 186

Property Insurance Coverage Law

NOVEMBER 20, 2024

For example, the Coalition Against … The post When Do Insurance Company Lobbyists and Trade Association Supporters Lie About Insurance Fraud Statistics? Every Time They Say or Write Anything appeared first on Property Insurance Coverage Law Blog. billion figure that concludes it is pure misinformation.

Insurance Companies 213

Insurance Companies Property Insurance Insurer Insurance 213

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.

Claim 203

Claim Policyholder Insurance Companies Property Insurance 203

Property Insurance Coverage Law

JANUARY 7, 2025

Insurance companies denying hail damage claims are repeat players in the litigation arena. This post will provide more insight and lessons as a grand finale to Policyholders and Public Adjusters Often Need to Hire Their Own Experts, and Policyholders and Public Adjusters … The post Want to Win a Hailstorm Damage Lawsuit?

Damage 203

Damage Policyholder Property Insurance Insurance Companies 203

Insurance Journal

AUGUST 8, 2024

California Insurance Commissioner Ricardo Lara issued a one-year moratorium on insurance companies to preserve residential insurance coverage for more than 185,000 policyholders affected by the Park, Borel and Gold Complex fires. The moratorium shields those living within the perimeters or …

Policyholder 299

Policyholder Insurer Insurance Insured 299

Property Insurance Coverage Law

OCTOBER 6, 2024

Florida policyholders should report any delays, underpayments, or complaints regarding an insurance company to the Florida Department of Financial Services. File a Complaint with the Department of Financial Services appeared first on Property Insurance Coverage Law Blog.

Policyholder 188

Policyholder Insurance Companies Property Insurance Insurer 188

Property Insurance Coverage Law

OCTOBER 5, 2024

When navigating the aftermath of a property damage claim, many homeowners seek professionals to help them secure the best possible settlement from their insurance company. However, policyholders … The post Public Adjusters Prohibited in Arkansas appeared first on Property Insurance Coverage Law Blog.

Property Damage 185

Property Damage Policyholder Property Insurance Damage 185

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 5, 2024

Insurance companies that wrongly deny or underpay property insurance claims are finding a golden financial opportunity that provides an incentive for them to wrongfully underpay and deny claims—they escape the payment of the replacement cost valuation they promised to their policyholders.

Policyholder 189

Policyholder Property Insurance Insurance Claim Claim 189

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.

Claim 214

Claim Policyholder Property Insurance Insurance Companies 214

Property Insurance Coverage Law

NOVEMBER 18, 2024

United Insurance Company 1 offers timeless guidance on the distinction between preliminary “proof of loss” requirements and “proof” evidence required at trial. This distinction remains critically important for today’s insurance practitioners and policyholders alike. The 1802 New York Supreme Court case of Lenox v.

Insurance Claim 203

Insurance Claim Claim Policyholder Property Insurance 203

Property Insurance Coverage Law

AUGUST 4, 2024

Insurance policies protect you from the cost of replacing lost, damaged, or stolen items: or at least, that’s how they’re supposed to work. But what happens if your insurance company refuses to pay what you are owed? appeared first on Property Insurance Coverage Law Blog.

Property Insurance 245

Property Insurance Damage Insurance Policy Insurance Companies 245

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 290

Policyholder Claim Damage Insurer 290

Property Insurance Coverage Law

AUGUST 21, 2024

Ohio Casualty Insurance Company, 1 is a case decided last week involving vacancy clauses often found in property insurance policies, the impact of forfeiture clauses, and how those clauses can be waived. Unlocking Possible Overlooked Arguments for Coverage appeared first on Property Insurance Coverage Law Blog.

Casualty Insurance 202

Casualty Insurance Property Insurance Insurance Policy Insurance Companies 202

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. 1 … The post Delay, Deny, Defend Professor Offers Suggestions for Meaningful Insurance Claims Reform appeared first on Property Insurance Coverage Law Blog.

Insurance Claim 203

Insurance Claim Claim Property Insurance Insurer 203

Property Insurance Coverage Law

OCTOBER 26, 2024

In a recent Fourth Circuit Court of Appeals decision that leaves me scratching my head, Lemonade Insurance Company successfully argued that cryptocurrency isn’t covered under their homeowner’s policy because it’s not “tangible property.”

Insurance Companies 189

Insurance Companies Property Insurance Policy Insurer 189

Property Insurance Coverage Law

NOVEMBER 15, 2024

Progressive Insurance Company, one of America’s largest auto insurers, is alleged to have created a scheme that would make ambulance chasers blush – directly feeding accident victim information to a law firm for solicitation. You really cannot make this stuff up.

Auto Insurance 203

Auto Insurance Property Insurance Insurer Insurance 203