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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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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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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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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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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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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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 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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Insurance Journal

OCTOBER 18, 2024

Florida’s insurance commissioner this week issued emergency orders, extending some policyholder cancellation protections in the wake of Hurricanes Helene and Milton. The orders, seen here and here, are in line with similar actions taken after hurricanes. The orders: Extend grace …

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Property Insurance Coverage Law

JANUARY 12, 2025

United Policyholders offers the best advice to policyholders about how to recover from the recent wildfires. appeared first on Property Insurance Coverage Law Blog.

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Insurance Journal

APRIL 3, 2025

A bill that would have given Washington’s insurance commissioner the power to order restitution to harmed policyholders failed to pass out of a House committee this week. Substitute Senate Bill 5331 failed to pass out of the House Consumer Protection …

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Insurance Journal

FEBRUARY 21, 2025

The North Dakota Insurance Department recovered over $2 million for policyholders across the state in 2024, helping over 1,500 customers, Insurance Commissioner Jon Godfread announced. As a consumer protection agency, the Department works with individuals facing issues with health, life, …

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Property Insurance Coverage Law

NOVEMBER 7, 2024

In a significant development for policyholders affected by Hurricanes Helene and Milton, House Oversight Democrats have taken decisive action to protect hurricane victims from potential insurance fraud.

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Insurance Claim Claim Policyholder Property Insurance 214

Cowbell

FEBRUARY 6, 2025

As cyber threats become more advanceddriven by AI innovations and intensified by geopolitical tensionsorganizations of all sizes must rethink how they protect themselves. This blog post aims to provide everyoneCowbell employees, broker partners, and policyholders alikewith a comprehensive overview of what CRS entails and why it matters.

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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.

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Property Insurance Coverage Law

SEPTEMBER 24, 2024

In a significant move to protect policyholders, the Michigan Department of Insurance and Financial Services (DIFS) issued a groundbreaking bulletin that explicitly prohibits insurers from depreciating labor costs when calculating actual cash value (ACV) in homeowner insurance claims.

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American Agents Alliance

JANUARY 30, 2025

Last week, he issued a Bulletin to all California insurance companies requiring that insurance companies issue advance payments to policyholders who suffered a total loss in the Southern California wildfire emergency. Commissioner Lara has taken a series of actions to speed the recovery process for consumers.

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Property Insurance Coverage Law

OCTOBER 7, 2024

Here is the language granting the extension: To allow enough time for policyholders to evaluate their losses, … The post Hurricane Helene National Flood Insurance Proofs of Loss Deadline Extended for 120 Days From 60 Days appeared first on Property Insurance Coverage Law Blog.

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Redbird Agents

APRIL 10, 2025

IUL critics have some valid points, Begg concedes, noting that an IUL policy is a fairly new product to many policyholders. IUL policies provide policyholders with permanent life insurance coverage along with a cash value account and a guaranteed death benefit. Unfortunately, consumers usually do not understand an IUL policy, he added.

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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.

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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.

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American Agents Alliance

APRIL 3, 2025

While the relationship between tariffs and insurance costs can seem unrelated, tariffs can increase costs for insurers and policyholders. Read more to understand this relationship and how agents can help policyholders manage this uncertainty. Here are some ways agents can help: Educate policyholders about costs and rising premiums.

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Property Insurance Coverage Law

NOVEMBER 13, 2024

The emergency rule, while well-intentioned in promoting transparency, creates several practical challenges that could harm Florida policyholders. Yesterday, I submitted comments to Florida’s Department of Financial Services regarding Emergency Rule 69BER24-4.

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Cowbell

MARCH 30, 2025

Over the past quarter, Cowbell has accelerated innovation, broadened coverage, and deepened its global footprintall while ensuring businesses large and small remain protected from evolving digital threats. Should an incident occur, a robust response and recovery framework remains in place, ensuring comprehensive end-to-end protection.

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Property Insurance Coverage Law

NOVEMBER 23, 2024

A recent court decision highlights why policyholders need to understand both the benefits and limitations of Inflation Guard Endorsements in their property insurance policies. While these endorsements aim to protect against underinsurance, they may not provide the complete protection many assume they do.

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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?

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Cowbell

MARCH 31, 2025

Originally launched to raise awareness about personal data protection, World Backup Day has taken on broader relevance today as cyber threats become more sophisticated. Backups should happen regularly, automatically, and should be stored in more than one placeideally with one version protected from cyberattacks or system failures.

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Property Insurance Coverage Law

OCTOBER 27, 2024

The recent voluntary dismissal of the Erie COVID-19 Business Interruption Protection Insurance Litigation marks the end of a significant chapter in insurance coverage law.1

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Property Insurance Coverage Law

OCTOBER 3, 2024

Here’s a guide on what to do next, from tracking your claim to ensuring your rights are protected. However, once you’ve submitted your claim, there are key steps you can take to ensure the best possible outcome.

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Triple-I: Homeowners Insurance

JANUARY 20, 2025

Role of telematics Usage-based insurance, for instance, allows insurers to tailor auto rates based on the policyholders driving behavior, tracked by telematics. Thats how it feels from our perspective we see claims as losses but lets turn that into, how can [insurers] better engender peace of mind and protection for consumers?

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Boyle Agency Insurance

FEBRUARY 20, 2025

Great Protection – Fair Price Bogle Agency Insurance of Lyndhurst NJ offers Chubb Masterpiece Homeowners Insurance to NJ homeowners. Chubb is a top American insurance carrier that offers a quality product to NJ homeowners to protect their most valuable asset, their home. Processing of a claim is efficient and speedy.

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Property Insurance Coverage Law

SEPTEMBER 23, 2024

Knowing exactly what hazard insurance is (and isn’t) can help protect you financially during a crisis. So, how does hazard insurance work exactly? Let’s break it down. Key Takeaways: Hazard insurance refers to the part of a homeowners policy that covers damage to the structure.

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Property Insurance Coverage Law

SEPTEMBER 1, 2024

Trade credit insurance is a risk management tool that protects businesses against losses from unpaid invoices or accounts receivable. It covers a company’s trade receivables in case a customer fails to pay due to insolvency, bankruptcy, default, or other reasons specified in the policy.

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Zywave

MARCH 3, 2025

.” If you don’t have the opportunity to check out the full webinar, read on for key insights from the discussion and actionable advice for insurers, brokers, and policyholders. While it’s critical insurance carriers, brokers, and policyholders understand the market, its just as important they know what to do about it.

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American Agents Alliance

SEPTEMBER 30, 2024

Learn more about how to help policyholders prepare for the unexpected with helpful tips. How to Help Policyholders With Proactive Disaster Planning An important start to disaster planning is considering whether or not a potential loss would be covered by insurance. Provide expert educational services for policyholders.

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PSM Brokerage

JANUARY 23, 2025

Flexibility: Medicare supplements allow policyholders to see any doctor or specialist who accepts Medicare, without network restrictions. Cancer and Critical Illness Plans: These policies provide extra protection for unexpected health crises, which can be particularly attractive to seniors.

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Zywave

NOVEMBER 13, 2024

We’re prepared to help you grow your distribution network, power your decision making with industry-leading data and insights and empower your teams and policyholders with industry knowledge and expertise. Policyholders are going to experience losses. And your own first-party data isn’t going to get you there.

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