Property Insurance Coverage Law

FEBRUARY 17, 2025

The insurance representative tried to explain that many of the denials were because most policies do not cover flood. 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.

Policyholder 199

Policyholder Claim Property Insurance Policy 199

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.

Policyholder 163

Policyholder Property Insurance Damage Insurance Companies 163

Property Insurance Coverage Law

FEBRUARY 22, 2025

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

Policyholder 159

Policyholder Property Insurance Damage Insurance Claim 159

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

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.

Policyholder 149

Policyholder Property Insurance Damage Insurance Companies 149

Property Insurance Coverage Law

FEBRUARY 6, 2025

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

Policyholder 201

Policyholder Property Insurance Claim Insurer 201

Property Insurance Coverage Law

MARCH 4, 2025

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? appeared first on Property Insurance Coverage Law Blog. Only After You Move Into the Home?

Property Insurance 166

Property Insurance Insurer Insured Insurance 166

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

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 127

Policyholder Claim Property Insurance Insurance Policy 127

Property Insurance Coverage Law

FEBRUARY 6, 2025

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

Policyholder 187

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.

Policyholder 100

Policyholder Commercial Insurance Commercial Property Insurance 100

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 Insurer Insured 264

Property Insurance Coverage Law

JANUARY 31, 2025

Insurers conduct and behavior vary wildly, even for people who hold similar policies with the same companies. For policyholders who have suffered total losses of their homes, many are being offered differing amounts of their Dwelling benefits. appeared first on Property Insurance Coverage Law Blog.

Policyholder 213

Policyholder Property Insurance Policy Insurer 213

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 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 186

Policyholder Property Insurance Insurance Claim Claim 186

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 203

Claim Policyholder Property Insurance Insurance Policy 203

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 3, 2025

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

Damage 193

Damage Claim Property Insurance Policyholder 193

Property Insurance Coverage Law

JANUARY 18, 2025

Phil Primetime episode, The Shocking Truth Behind Rising Insurance Rates, exposed the systemic issues driving this crisis, highlighting personal stories of loss and struggle. As … The post The Rising Insurance Crisis: Advocating for Policyholders Beyond the CourtroomDr.

Policyholder 279

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.

Policyholder 246

Policyholder Property Insurance Insurer Insured 246

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

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?

Policyholder 203

Policyholder Property Insurance Claim Insurer 203

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 186

Claim Policyholder Property Insurance Insurance Claim 186

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

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 199

Policyholder Property Insurance Insurance Companies Insurer 199

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.

Personal Property 178

Personal Property Policy Policyholder Property Insurance 178

Property Insurance Coverage Law

MARCH 4, 2025

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? appeared first on Property Insurance Coverage Law Blog. Only After You Move Into the Home?

Property Insurance 100

Property Insurance Insurer Insured Insurance 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 185

Policyholder Property Insurance Insurance Companies Insurer 185

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 179

Claim Policyholder Property Insurance Insurance Policy 179

Property Insurance Coverage Law

AUGUST 6, 2024

Florida’s property insurance market is facing unprecedented challenges, leaving policyholders with inadequate coverage at significantly higher rates. The term “shrinkflation,” commonly associated with consumer goods, is now being used to describe a troubling trend in the insurance industry.

Property Insurance 188

Property Insurance Policyholder Insurance Industry Insurer 188

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?

Policyholder 214

Policyholder Property Insurance Insurance Policy Policy 214

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 126

Property Insurance Policyholder Damage Claim 126

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

Policyholder 203

Policyholder Damage Property Insurance Insurance Policy 203

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.

Personal Property 164

Personal Property Policy Policyholder Property Insurance 164

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 126

Property Insurance Policyholder Damage Claim 126

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

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.

Policyholder 203

Policyholder Insurance Agent Insurance Agents Agents 203