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.

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Policyholder Property Insurance Claim Insurer 202

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.

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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.

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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.

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Policyholder Claim Property Insurance Insurance Policy 138

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.

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Policyholder Property Insurance Insurance Claim Claim 200

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 Insurer 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.

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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.

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Policyholder Property Insurance Claim Insurer 187

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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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.

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Policyholder Property Insurance Insurer Insurance 264

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.

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Policyholder Claim Property Insurance Insurance Policy 100

Insurance Journal

SEPTEMBER 17, 2024

Hawaii Employers’ Mutual Insurance Company Inc. is giving policyholders the largest dividend in the workers’ compensation carrier’s history. The HEMIC board of directors recently announced a $5 million dividend to qualifying policyholders.

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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 Insurer 279

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 Insurer Insurance 246

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

MARCH 5, 2025

A new investigation into Floridas property insurance industry is set to begin, raising significant questions about insurer profitability, financial transparency, and the true reasons behind skyrocketing premiums for policyholders.

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Property Insurance Policyholder Premium Insurance Industry 186

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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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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Policyholder Insurance Claim Claim Property Insurance 246

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?

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Policyholder Property Insurance Policy Insurer 214

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.

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Policyholder Property Insurance Insurance Companies Insurer 200

Property Insurance Coverage Law

JANUARY 17, 2025

As a loyal policyholder, you expect your insurance provider to prioritize your safety, security, and trust. If the claims within the Texas lawsuit 1 are accurate, Allstate has been secretly collecting sensitive driver data … The post Is Allstate Taking Advantage of Policyholders?

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Policyholder Property Insurance Claim Insurer 203

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.

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Policyholder Property Insurance Insurance Companies Insurer 186

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.

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Property Insurance Policyholder Damage Claim 140

Property Insurance Coverage Law

SEPTEMBER 4, 2024

The duties of an insurance agent to the policyholder will differ depending on state law. Yesterday’s post about a Michigan coverage case, Order and Bind Insurance Before the Loss—Commercial Policy Covers Water Damage Under Drain Backup Endorsement, noted that there was also an issue with insurance agent negligence.

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Insurance Journal

JULY 23, 2024

Brown reports that a grand Jury for Prince George’s County has handed down two indictments charging an Upper Marlboro woman with insurance fraud. Maryland Attorney General Anthony G. According to Brown, Rhonda Keisha Powell, also known as Rhonda Keisha Jackson, …

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Policyholder Insurer Insurance Insured 290

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 180

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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Policyholder Insurance Claim Claim Property Insurance 203

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.

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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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Policyholder Property Insurance Insurance Claim Claim 189

Property Insurance Coverage Law

OCTOBER 18, 2024

Amy Bach‘s recent LinkedIn post yesterday highlighting concerns about excessive compensation in the insurance industry has struck a chord with many policyholders and consumer advocates. Bach raised these issues in a panel discussion at the American Academy of Actuaries.

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Policyholder Compensation Insurer Insurance 189

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.

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Property Insurance Coverage Law

JANUARY 5, 2025

I often hear this question when discussing a loss with a potential client or public adjuster: Chip, isnt it an all-risk insurance policy? This question is often in response to a question I asked them: What caused the loss?

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Property Insurance Coverage Law

JANUARY 6, 2025

In yesterdays post, Policyholders and Public Adjusters Often Need to Hire Their Own Experts, the court found that the insurance policy did not provide coverage for the claimed damages for two primary reasons.1

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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.

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Insurance Journal

SEPTEMBER 9, 2024

California homeowners could be required to pay a surcharge if the state’s insurer of last resort is unable to cover losses from a catastrophic wildfire. The California Department of Insurance sent a bulletin to insurance companies this week outlining how …

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Policyholder Insurance Companies Insurer Insurance 312

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.

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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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