Insurance Companies, Policyholder and Property Insurance

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 Industry Insurance Companies Protection

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

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

Insurance Companies Damage Claim Property Insurance

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

A recent federal court ruling in Missouri highlights the critical importance of admissible expert testimony in property insurance disputes.

Policyholder

Policyholder Insurance Companies Damage Claim

Florida’s Insurance Company Fraud Investigations: A Crisis of Public Trust (With a Side of Absurdity)

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

Insurance Companies Policyholder Property Insurance Insurer

Can Insurance Companies Sue Public Adjusters for Not Being Licensed or Not Having a Valid Contract?

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

License Insurance Companies Policyholder Property Insurance

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, (..)

Policyholder

Policyholder License Insurance Industry Property Insurance

Appraiser Qualifications and Bad Faith Suits Against Policyholders in California—Chubb’s Attempt to Vacate Huge Glass Fire Appraisal Award Largely Fails

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

Policyholder Insurance Companies Property Insurance Insurer

California Commissioner Orders Insurance Cancelation Moratorium for 185K Residents

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

Policyholder Insurer Insured Insurance

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 (..)

Policyholder

Policyholder Property Insurance Insurance Claim Claim

Want to Win a Hailstorm Damage Lawsuit? Hire The Right Experts and Establish a Theory of Loss Before Filing a Lawsuit

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

Damage Policyholder Property Insurance Insurance Companies

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

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

Policyholder Insurance Companies Property Insurance Insurance Industry

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.

Claim

Claim Policyholder Insurance Companies Property Insurance

“I Was Droned!” California Policyholders Are Being Monitored Regarding Their Loss Risk Exposure and Loss Mitigation Attempts

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

Policyholder Risk Property Insurance Insurance Companies

The Future of Homeowners and Property Insurance: Navigating AI, Surveillance, and Regulatory Challenges

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

Property Insurance Insurance Companies Insurer Insured

When Do Insurance Company Lobbyists and Trade Association Supporters Lie About Insurance Fraud Statistics? Every Time They Say or Write Anything

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

Insurance Companies Property Insurance Insurer Insured

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.

Claim

Claim Policyholder Property Insurance Insurance Companies

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 Insured

What Does Replacement Cost Insurance Pay If There Has Not Been Repair or Replacement?

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

Policyholder Property Insurance Insurance Claim 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.

Claim

Claim Policyholder Property Insurance Insurance Companies

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

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

Insurance Claim Claim Policyholder Property Insurance

Hurricane Helene Insurance Delays or Underpayment in Florida? File a Complaint with the Department of Financial Services

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

Policyholder Insurance Companies Property Insurance Insurer

Public Adjusters Prohibited in Arkansas

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

Property Damage Policyholder Property Insurance Damage

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

Insurance Claim

Insurance Claim Claim Property Insurance Insurer

Civil Remedy Notices – What Are They and What Do They Require?

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

Property Insurance Damage Insurance Policy Insurance Companies

When Life Gives You Lemonade, They Give You No Coverage for Cryptocurrency

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

Insurance Companies Property Insurance Policy Insurer

Is Waiving Forfeiture Clauses Possible? Unlocking Possible Overlooked Arguments for Coverage

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

Casualty Insurance Property Insurance Insurance Policy Insurance Companies

The Construction Costs to Investigate the Full Extent of a Covered Loss Should Be Covered

Property Insurance Coverage Law

NOVEMBER 13, 2024

Why do some insurance companies nickel and dime their customers who have sustained a covered property loss? Chubb successfully argued that the … The post The Construction Costs to Investigate the Full Extent of a Covered Loss Should Be Covered appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Property Insurance Insurance Companies Insurer

Progressive and K&P’s Alleged Insurance Scheme: When Reality is Stranger Than Fiction

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

Auto Insurance Property Insurance Insurance Companies Insurer

Appraisal Award Vacated Due to Appraiser’s “Flat Fee” Schedule that Functions as a Prohibited Contingency Fee

Property Insurance Coverage Law

NOVEMBER 27, 2024

GeoVera Specialty Insurance Company, the court granted the insurer’s motion to strike a $146,436.65 GeoVera Specialty Insurance Company, the court granted the insurer’s motion to strike a $146,436.65 1 In Kennedy v.

Policyholder

Policyholder Property Insurance Insurance Companies Policy

Understanding Consumer Education and Property Insurance

Property Insurance Centre

MARCH 19, 2024

Understanding Consumer Education and Property Insurance As an informed consumer, education on consumer rights and property insurance is crucial. It empowers individuals to make informed decisions about insurance coverage and understand their policy rights.

Property Insurance

Property Insurance Policyholder Insured Insurer

Impact of Rising Interest Rates on Property Insurance

Protect Commercial Insurance

OCTOBER 4, 2024

But what does this mean for property owners and their insurance needs? As interest rates creep up, they can have a surprising ripple effect on property insurance costs. Impact on Property Insurance The property insurance market isn’t isolated from these changes.

Property Insurance

Property Insurance Out-Of-Pocket Premium Insured

Emerging Property Insurance Trends 2024

Property Insurance Centre

JANUARY 4, 2024

Emerging Property Insurance Trends 2024 Welcome to our guide on emerging trends in the property insurance industry. As we dive into the evolving landscape of property insurance, it’s important to stay informed about the latest trends and challenges affecting the market. Hurricane Harvey 2017 92.0

Property Insurance

Property Insurance Commercial Property Liability Insured

Vacancy Exclusions for “Vandalism” Should Not Apply to Arson Fires

Property Insurance Coverage Law

DECEMBER 5, 2024

A recent Illinois Circuit Court decision provides an excellent analysis of why insurance companies cannot deny fire claims under vacancy exclusions by claiming that arson is a form of vandalism. Country Mutual Insurance Company, 1 demonstrates how careful judicial reasoning can expose flaws in insurance company coverage denials.

Insurance Companies

Insurance Companies Property Insurance Claim Insurer

Who Is the Insurer? Does the Binder Matter?

Property Insurance Coverage Law

DECEMBER 4, 2024

Zurich American Insurance Company, 1 maybe you do, but the label on the box has you scratching your head. You might think Zurich American Insurance Company is the insurer after reading … The post Who Is the Insurer? appeared first on Property Insurance Coverage Law Blog.

Insurance Policy

Insurance Policy Insurance Companies Property Insurance Insurer

Court Differentiates Vandalism from Theft in First Party Insurance Policy

The Property Insurance Law Observer

MARCH 12, 2024

The United States District Court for the Western District of Washington decided an insurance coverage case involving Plaintiffs Benny and Guangying Cheung and Defendant Allstate Vehicle and Property Insurance Company. Allstate Vehicle & Prop. C22-1174 TSZ, 2023 WL 9000432 (W.D.

Theft

Theft Insurance Policy Policy Personal Property

Court Finds No Coverage for Loss Caused by Water Back Up Through a Storm Drain

The Property Insurance Law Observer

MARCH 4, 2024

The defendant, Stillwater Insurance Company (“Stillwater”) determined there was coverage under the Limited Water Back Up and Sump Discharge or Overflow Coverage endorsement and issued payment of the full $5,000 sublimit of that endorsement, together with a letter to the insureds explaining its coverage analysis.

Damage

Damage Policy Claim Property Damage

Florida Homeowners Premium Growth Slowsas Reforms Take Hold, Inflation Cools

Triple-I: Homeowners Insurance

JUNE 26, 2024

The Florida Legislature responded to the growing crisis by passing several pieces of insurance reform, primarily tackling problems with assignment of benefits (AOB), bad-faith claims, and excessive fees. As insurers have failed or left the state, Citizens Property Insurance Corp. – million by the end of 2023.

Premium

Premium Property Insurance Claim Policyholder

Top Building Insurance Pitfalls To Trigger F.O.M.O.

Property Insurance Centre

SEPTEMBER 25, 2024

Meeting Building Insurance Requirements When applying for building insurance, it is important to meet the specific requirements set by insurance companies. One common requirement is the installation of smoke detectors in your property. One key factor is the location of your property.

Building

Building Insured Insurer Insurance

JIF 2024: What’s In a Name? When It Comes to Legal System Abuse, A Lot

Triple-I: Homeowners Insurance

DECEMBER 3, 2024

Opaque, ill-defined language empowers predatory “ billboard attorneys ” to define these terms themselves, contributing to pervasive policyholder distrust, said Jeff Sauls, Farmers Insurance head of legislative affairs. Clear communication is key, the participants agreed. Notice of intention to sue is also down by double digits.

Out-Of-Pocket

Out-Of-Pocket Broker-Agent Premium Claim

Landlord insurance cover and other FAQs

Cover4LetProperty

OCTOBER 10, 2022

Note that the cover required by your lender is sufficient only to safeguard the outstanding mortgage balance on the property and may not cover the full cost of rebuilding in the event of a major disaster and its total loss. Why do I need specialist let property insurance, rather than any other type of property insurance?

Insurer

Insurer Insured Insurance Property Insurance

The Evolution of Commercial Insurance: Key Trends to Watch in 2025

Protect Commercial Insurance

DECEMBER 6, 2024

With data breaches, ransomware, and cyber espionage on the rise, cybersecurity has become a critical focus for companies worldwide. The year 2025 sees the sophistication of these threats reaching new levels, affecting companies of all sizes. Let’s dive into a few key technological innovations making waves in the industry.

Commercial Insurance

Commercial Insurance Commercial Insurer Insured

The Pressures of Operational Optimization

Majesco

APRIL 11, 2024

These are still missed opportunities if insurers aren’t taking advantage of them, and they represent a large portion of the portfolio of commercial property insurers. We are starting to see it on homeowners insurance. This the year companies need to establish and maintain profitability.

Commercial Property

Commercial Property Risk Claim Deductible

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?

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

Trending Sources

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

Florida’s Insurance Company Fraud Investigations: A Crisis of Public Trust (With a Side of Absurdity)

Can Insurance Companies Sue Public Adjusters for Not Being Licensed or Not Having a Valid Contract?

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

Appraiser Qualifications and Bad Faith Suits Against Policyholders in California—Chubb’s Attempt to Vacate Huge Glass Fire Appraisal Award Largely Fails

California Commissioner Orders Insurance Cancelation Moratorium for 185K Residents

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

Want to Win a Hailstorm Damage Lawsuit? Hire The Right Experts and Establish a Theory of Loss Before Filing a Lawsuit

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

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

“I Was Droned!” California Policyholders Are Being Monitored Regarding Their Loss Risk Exposure and Loss Mitigation Attempts

The Future of Homeowners and Property Insurance: Navigating AI, Surveillance, and Regulatory Challenges

When Do Insurance Company Lobbyists and Trade Association Supporters Lie About Insurance Fraud Statistics? Every Time They Say or Write Anything

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

Florida CFO Bars Insurers From Altering Adjusters’ Reports Without Explanation

What Does Replacement Cost Insurance Pay If There Has Not Been Repair or Replacement?

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

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

Hurricane Helene Insurance Delays or Underpayment in Florida? File a Complaint with the Department of Financial Services

Public Adjusters Prohibited in Arkansas

Delay, Deny, Defend Professor Offers Suggestions for Meaningful Insurance Claims Reform

Civil Remedy Notices – What Are They and What Do They Require?

When Life Gives You Lemonade, They Give You No Coverage for Cryptocurrency

Is Waiving Forfeiture Clauses Possible? Unlocking Possible Overlooked Arguments for Coverage

The Construction Costs to Investigate the Full Extent of a Covered Loss Should Be Covered

Progressive and K&P’s Alleged Insurance Scheme: When Reality is Stranger Than Fiction

Appraisal Award Vacated Due to Appraiser’s “Flat Fee” Schedule that Functions as a Prohibited Contingency Fee

Understanding Consumer Education and Property Insurance

Impact of Rising Interest Rates on Property Insurance

Emerging Property Insurance Trends 2024

Vacancy Exclusions for “Vandalism” Should Not Apply to Arson Fires

Who Is the Insurer? Does the Binder Matter?

Court Differentiates Vandalism from Theft in First Party Insurance Policy

Court Finds No Coverage for Loss Caused by Water Back Up Through a Storm Drain

Florida Homeowners Premium Growth Slowsas Reforms Take Hold, Inflation Cools

Top Building Insurance Pitfalls To Trigger F.O.M.O.

JIF 2024: What’s In a Name? When It Comes to Legal System Abuse, A Lot

Landlord insurance cover and other FAQs

The Evolution of Commercial Insurance: Key Trends to Watch in 2025

The Pressures of Operational Optimization

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