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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Property Insurance Coverage Law

FEBRUARY 28, 2025

Scottsdale Insurance Companya case that delivered a crucial victory for policyholders in Florida. A … The post Fighting for Policyholder Rights: Florida Bad Faith Law appeared first on Property Insurance Coverage Law Blog. Thats precisely what happened in Cindy Vo v.

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Policyholder Property Insurance Damage Insurance Companies 160

Property Insurance Coverage Law

FEBRUARY 17, 2025

Our firm was asked to represent a … The post Florida Policyholders Are Upset with Stupid Denials of Claims appeared first on Property Insurance Coverage Law Blog. The insurance representative tried to explain that many of the denials were because most policies do not cover flood.

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Policyholder Claim Property Insurance Policy 200

Property Insurance Coverage Law

FEBRUARY 22, 2025

If youre … The post Florida Insurance Regulators Demand Fair Treatment for Policyholders appeared first on Property Insurance Coverage Law Blog. A recent Florida Office of Insurance Regulation (OIR) Bulletin clarifies how insurers must handle claims for multiple hurricanes.

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Policyholder Property Insurance Damage Insurance Claim 167

Property Insurance Coverage Law

MARCH 18, 2025

Seeing firsthand the devastating aftermath and hearing the deeply emotional stories from these homeowners is heartbreakingbut whats even worse is witnessing how some insurance companies continue to compound their customers’ trauma … The post Why Are California Insurers Putting Their Policyholder Customers at Risk For Their Health?

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Policyholder Risk Property Insurance Insurance Companies 193

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 Insurance Insurer 130

Property Insurance Coverage Law

JANUARY 29, 2025

I formally started a policyholder law firm 40 years ago today. 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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Policyholder Property Insurance Insurance Claim Claim 200

Property Insurance Coverage Law

FEBRUARY 6, 2025

A Deeper Look at Its Corporate Structure and Growing LossesShould Policyholders Dump State Farm? However, an article in Claims Journal,State Farm Seeking Interim 22% Rate Hike for … The post Is State Farm Financially Struggling? appeared first on Property Insurance Coverage Law Blog.

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Policyholder Property Insurance Claim Insurance 201

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. 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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Policyholder Property Insurance Insurance Claim Claim 186

Property Insurance Coverage Law

FEBRUARY 6, 2025

A Deeper Look at Its Corporate Structure and Growing LossesShould Policyholders Dump State Farm? However, an article in Claims Journal,State Farm Seeking Interim 22% Rate Hike for … The post Is State Farm Financially Struggling? appeared first on Property Insurance Coverage Law Blog.

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Policyholder Property Insurance Claim Insurance 187

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 Insurance Insurer 264

Insurance Journal

SEPTEMBER 17, 2024

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. The company credits HEMIC’s steady growth and policyholder …

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Policyholder Compensation Insurance Companies Workers Compensation 262

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

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

AUGUST 1, 2024

million for policyholders whose insurance claims had been denied, the department announced this week. The Tennessee Department of Commerce and Insurance so far this year has secured more than $9.5 The payments, mostly from property insurers, are the result of …

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Policyholder Claim Insurance Claim Property Insurance 264

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 Insurance Insurer 246

Property Insurance Coverage Law

JANUARY 18, 2025

As … The post The Rising Insurance Crisis: Advocating for Policyholders Beyond the CourtroomDr. 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 Insurance 279

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 Insurance 203

Property Insurance Coverage Law

APRIL 18, 2025

This case, which … The post ACV, RCV, and GCOP: Why the Ninth Circuits Ruling Matters to Claims Professionals and Policyholders appeared first on Property Insurance Coverage Law Blog.

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Policyholder Claim Property Insurance Insurance Policy 100

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

APRIL 14, 2025

When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. One of the most important phrases to recognize is: “We denied a portion of your claim.” ” Those few words, even if buried in a lengthy letter, should ring loud alarm bells.

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Claim Policyholder Property Insurance Insurance 191

Property Insurance Coverage Law

JANUARY 31, 2025

For policyholders who have suffered total losses of their homes, many are being offered differing amounts of their Dwelling benefits. 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.

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Policyholder Property Insurance Policy Insurance 214

Property Insurance Coverage Law

JANUARY 5, 2025

To prove the point of this blogs title, in a recent trial court order finding for … The post Policyholders and Public Adjusters Often Need to Hire Their Own Experts appeared first on Property Insurance Coverage Law Blog. This question is often in response to a question I asked them: What caused the loss?

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Policyholder Property Insurance Insurance Policy Policy 214

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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Policyholder Damage Property Insurance Insurance Policy 203

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. One of the most important phrases to recognize is: “We denied a portion of your claim.” ” Those few words, even if buried in a lengthy letter, should ring loud alarm bells.

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Claim Policyholder Property Insurance Insurance 177

Property Insurance Coverage Law

JANUARY 30, 2025

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. A recent federal court decision favoring Liberty Mutual Insurance Company in a pipe burst claim1 left me thinking about two lessons.

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Claim Policyholder Property Insurance Insurance Policy 205

Property Insurance Coverage Law

SEPTEMBER 4, 2024

The duties of an insurance agent to the policyholder will differ depending on state law. This will be the second post in … The post What Are the Duties of An Insurance Agent to the Policyholder—A Michigan Case Example appeared first on Property Insurance Coverage Law Blog.

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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

APRIL 15, 2025

Assembly Bill 597 is working its way through the California Legislature and could soon become law.

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Policyholder Property Insurance Insurance Insurer 183

Property Insurance Coverage Law

SEPTEMBER 26, 2024

In a case involving alleged hail damage to a commercial building, the court granted summary judgment in favor of the insurer, Charter Oak Fire Insurance Company, after excluding the policyholder’s expert witness.

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Policyholder Insurance Companies Damage Claim 203

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, (..)

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Policyholder License Insurance Industry Property Insurance 203

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 Insurance Insurer 312

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 Insurance Insurer 189

Property Insurance Coverage Law

APRIL 15, 2025

Assembly Bill 597 is working its way through the California Legislature and could soon become law.

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Policyholder Property Insurance Insurance Insurer 183

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

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.

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