Property Insurance Coverage Law

FEBRUARY 28, 2025

When a hurricane damages your home, you expect your insurance company to play fair. But what happens when insurers undervalue claims, drag out disputes, and then hide behind new laws to avoid accountability? Scottsdale Insurance Companya case that delivered a crucial victory for policyholders in Florida.

Policyholder 174

Policyholder Property Insurance Damage Insurance Companies 174

Property Insurance Coverage Law

FEBRUARY 19, 2025

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 202

Policyholder Property Insurance Claim Insured 202

Property Insurance Coverage Law

MARCH 21, 2025

10-3-1118, was designed to protect policyholders from unfair denials based on alleged failures to cooperate. Colorados Cooperation Law, enshrined inC.R.S.

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Policyholder Property Insurance Protection Insured 199

Property Insurance Coverage Law

MARCH 21, 2025

10-3-1118, was designed to protect policyholders from unfair denials based on alleged failures to cooperate. Colorados Cooperation Law, enshrined inC.R.S.

Policyholder 185

Policyholder Property Insurance Protection Insured 185

Property Insurance Coverage Law

FEBRUARY 17, 2025

The Florida House Committee on Banking and Insurance seemed to have many constituents upset with delays and denials when I was testifying in front of them a month ago. The insurance representative tried to explain that many of the denials were because most policies do not cover flood.

Policyholder 200

Policyholder Claim Property Insurance Policy 200

Property Insurance Coverage Law

FEBRUARY 28, 2025

When a hurricane damages your home, you expect your insurance company to play fair. But what happens when insurers undervalue claims, drag out disputes, and then hide behind new laws to avoid accountability? Scottsdale Insurance Companya case that delivered a crucial victory for policyholders in Florida.

Policyholder 160

Policyholder Property Insurance Damage Insurance Companies 160

Property Insurance Coverage Law

APRIL 13, 2025

Few voices for policyholder interests and their rights have remained as consistent, credible, and compassionate as Amy Bach and her team at United Policyholders.

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Policyholder Property Insurance Insured Insurance 130

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

MARCH 4, 2025

How many days do you have to move into a new home after purchase to keep your insurance coverage valid? AmGuard took the position that the new homeowner had no coverage because she was not living at the premises when she purchased the policy … The post When Does Property Insurance Coverage Start?

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Property Insurance Insured Insurance Insurer 176

Property Insurance Coverage Law

FEBRUARY 6, 2025

For decades, State Farm has been one of the most recognized and trusted insurance brands in the United States. A Deeper Look at Its Corporate Structure and Growing LossesShould Policyholders Dump State Farm? appeared first on Property Insurance Coverage Law Blog.

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Policyholder Property Insurance Claim Insured 201

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

For decades, State Farm has been one of the most recognized and trusted insurance brands in the United States. 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 Insured 187

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 138

Policyholder Claim Property Insurance Insurance Policy 138

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.

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Claim Policyholder Property Insurance Insurance Policy 205

Property Insurance Coverage Law

JANUARY 31, 2025

Recent wildfires in Southern California are putting new California insurance laws to the test. Insurers conduct and behavior vary wildly, even for people who hold similar policies with the same companies. For example, a homeowner … The post Should You Accept Your Insurers Initial Wildfire Payout?

Policyholder 214

Policyholder Property Insurance Policy Insured 214

Property Insurance Coverage Law

OCTOBER 17, 2024

The American Policyholder Association (APA) has emerged as a powerful force in the fight against insurance fraud, with recent achievements highlighting the critical importance of its work.

Policyholder 264

Policyholder Property Insurance Insured Insurance 264

Property Insurance Coverage Law

APRIL 14, 2025

When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. Under NFIP rules, a partial … The post Partial Denials Start Statute of Limitations Time Clock in National Flood Claims appeared first on Property Insurance Coverage Law Blog.

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Claim Policyholder Property Insurance Insured 191

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 Insured 200

Property Insurance Coverage Law

JANUARY 18, 2025

Millions of Americans have faced an escalating crisis with their homeowners insurance. The recent Dr. Phil Primetime episode, The Shocking Truth Behind Rising Insurance Rates, exposed the systemic issues driving this crisis, highlighting personal stories of loss and struggle.

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Policyholder Premium Property Insurance Insured 279

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 Insured 186

Property Insurance Coverage Law

APRIL 15, 2025

If passed in its current form, the bill would severely restrict how public adjusters can charge their clients in the wake of catastrophic eventsand it is policyholders who will pay the price, as many may lose access to adjusters … The post Californias AB 597 Threatens to Limit Access to Public Adjusters After Disasters appeared first on Property (..)

Policyholder 183

Policyholder Property Insurance Insured Insurance 183

Property Insurance Coverage Law

APRIL 14, 2025

When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. Under NFIP rules, a partial … The post Partial Denials Start Statute of Limitations Time Clock in National Flood Claims appeared first on Property Insurance Coverage Law Blog.

Claim 177

Claim Policyholder Property Insurance Insured 177

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.

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Policyholder Property Insurance Insured Insurance 246

Property Insurance Coverage Law

FEBRUARY 3, 2025

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

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Damage Claim Property Insurance Policyholder 194

Property Insurance Coverage Law

MARCH 13, 2025

1 At … The post Clear Language Wins the Day: Court Rules Ambiguity Favors Policyholders appeared first on Property Insurance Coverage Law Blog. 1 At … The post Clear Language Wins the Day: Court Rules Ambiguity Favors Policyholders appeared first on Property Insurance Coverage Law Blog.

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Policyholder Commercial Insurance Commercial Property Insurance 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

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. This weeks ruling by the Ninth Circuit in Dow v.

Policyholder 100

Policyholder Claim Property Insurance Insurance Policy 100

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

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.

Claim 211

Claim Policyholder Property Insurance Insurance Claim 211

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 189

Policyholder Property Insurance Insurance Claim Claim 189

Property Insurance Coverage Law

APRIL 15, 2025

If passed in its current form, the bill would severely restrict how public adjusters can charge their clients in the wake of catastrophic eventsand it is policyholders who will pay the price, as many may lose access to adjusters … The post Californias AB 597 Threatens to Limit Access to Public Adjusters After Disasters appeared first on Property (..)

Policyholder 183

Policyholder Property Insurance Insured Insurance 183

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 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

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 140

Property Insurance Policyholder Damage Claim 140

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.

Claim 187

Claim Policyholder Property Insurance Insurance Claim 187

Property Insurance Coverage Law

FEBRUARY 25, 2025

A New York Times article written by Rukmini Callimachi,California Bill Would Force Insurers to Pay Full Coverage Without Requiring Itemization,is something many policyholders of the recent Los Angeles wildfires wished was the law right now. appeared first on Property Insurance Coverage Law Blog.

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Personal Property Policy Policyholder Property Insurance 184

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 140

Property Insurance Policyholder Damage Claim 140