Property Insurance Coverage Law

APRIL 6, 2025

When I was first starting in the property insurance claim field in the early 1980s, I can still recall my mentor, Paul Butler, excitedly talking about going to the PLRB conference. He spoke of the highly sophisticated level of insurance claims personnel and the presenters.

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Property Insurance Insurance Claim Claim Insured 100

Property Insurance Coverage Law

APRIL 6, 2025

When I was first starting in the property insurance claim field in the early 1980s, I can still recall my mentor, Paul Butler, excitedly talking about going to the PLRB conference. He spoke of the highly sophisticated level of insurance claims personnel and the presenters.

Property Insurance 100

Property Insurance Insurance Claim Claim Insured 100

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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Property Insurance Insurance Claim Claim Policyholder 203

Insurance Journal

JUNE 10, 2025

Some Florida policyholders and their attorneys have long complained about real or perceived delays in the claims-handling process after a loss. A Florida appeals court ruled last week that telling a jury about those delays may be prejudicial and out …

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Claim Policyholder Casualty Insurance Insurance Claim 263

Property Insurance Coverage Law

JUNE 1, 2025

But you dont get paid by the insurer. Because even … The post Should HOAs Take Out Construction Loans Just to Get Their Insurance Claim Paid? appeared first on Property Insurance Coverage Law Blog.

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Insurance Claim Claim Property Insurance Damage 100

Property Insurance Coverage Law

JUNE 1, 2025

But you dont get paid by the insurer. Because even … The post Should HOAs Take Out Construction Loans Just to Get Their Insurance Claim Paid? appeared first on Property Insurance Coverage Law Blog.

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Insurance Claim Claim Property Insurance Damage 100

Property Insurance Coverage Law

AUGUST 18, 2024

Property damage insurance claims funding by factoring companies is a relatively recent phenomenon in the property insurance claims industry.

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Property Insurance Insurance Claim Claim Property Damage 189

Property Insurance Coverage Law

OCTOBER 3, 2024

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

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Insurance Claim Claim Property Insurance Insured 203

Property Insurance Coverage Law

JUNE 13, 2025

In 2025, the Texas Legislature passed Senate Bill 458 (SB 458), 1 a significant reform aimed at protecting policyholders in disputes over insurance claims. … The post Texas SB 458: What Homeowners and Drivers Need to Know About the New Appraisal Law appeared first on Property Insurance Coverage Law Blog. .

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Policyholder Property Insurance Insurance Claim Insurance Policy 178

Property Insurance Coverage Law

OCTOBER 4, 2024

National Flood Insurance claims are notoriously complex and exacting. Most policyholders are unaware that National Flood claims are among the most difficult property insurance claims to handle correctly, and that the National Flood Insurance adjuster has limited authority.

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Insurance Claim Claim Policyholder Property Insurance 203

Property Insurance Coverage Law

SEPTEMBER 28, 2024

Many insureds and even insured representatives have never dealt with a flood insurance claim and the intricacies of the National Flood Insurance Program. Resources are available at … The post Navigating Flood Insurance Claims from Hurricane Helene appeared first on Property Insurance Coverage Law Blog.

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Insurance Claim Claim Insured Insurance 203

Insurance Journal

OCTOBER 2, 2024

The number of property insurance claims in Florida from Hurricane Helene had topped 65,700 by Tuesday, far more than the 25,000 seen in Hurricane Idalia a year ago, the Florida Office of Insurance Regulation reported. The total estimated insured losses …

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Claim Insurance Claim Property Insurance Insured 290

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

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 Insurance Claim Property Insurance Claim 189

Property Insurance Coverage Law

MAY 8, 2025

In a recent decision that should raise red flags for public adjusters and policyholders, a federal judge granted summary judgment in favor of Indian Harbor Insurance Company. 1 The ruling is a lesson that when it comes to insurance claims and litigation, it is not enough to argue about fairness or merely present repair invoices.

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Policyholder Damage Insurance Claim Property Insurance 195

Insurance Journal

OCTOBER 15, 2024

Property Insurance claims from Hurricane Milton had topped more than 123,000 by Sunday, with some $1.5 billion in estimated insured losses. That’s already more than the claims and losses reported for Helene, which made landfall in Florida two weeks earlier, …

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Claim Property Insurance Insurance Claim Insured 290

Property Insurance Coverage Law

JANUARY 9, 2025

1 … The post Delay, Deny, Defend Professor Offers Suggestions for Meaningful Insurance Claims Reform appeared first on Property Insurance Coverage Law Blog.

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Insurance Claim Claim Property Insurance Insured 203

Property Insurance Coverage Law

FEBRUARY 22, 2025

How do insurance claims work when your home has already been damaged once? A recent Florida Office of Insurance Regulation (OIR) Bulletin clarifies how insurers must handle claims for multiple hurricanes. But what happens when two hurricanes strike in the same season?

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Policyholder Insurance Claim Property Insurance Damage 167

Property Insurance Coverage Law

JUNE 12, 2025

This in-depth regulatory investigation is a direct response to troubling complaints from wildfire survivors about how their property insurance claims have been handled following the devastating Palisades and … The post California Launches Market Conduct Examination into State Farm’s Wildfire Claims Handling appeared first on Property Insurance (..)

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Claim Direct Response Policyholder Property Insurance 100

Property Insurance Coverage Law

JUNE 12, 2025

This in-depth regulatory investigation is a direct response to troubling complaints from wildfire survivors about how their property insurance claims have been handled following the devastating Palisades and … The post California Launches Market Conduct Examination into State Farm’s Wildfire Claims Handling appeared first on Property Insurance (..)

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Claim Direct Response Policyholder Property Insurance 100

Insurance Journal

SEPTEMBER 11, 2024

A month after Hurricane Debby made landfall in northern Florida, the number of property insurance claims has reached almost 20,000, and total estimated insured losses are more than $121.5 million, the Florida Office of Insurance Regulation reported this week. The …

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Claim Insurance Claim Property Insurance Insured 279

Property Insurance Coverage Law

NOVEMBER 7, 2024

Representatives Jamie Raskin, Maxwell Alejandro Frost, and Jared Moskowitz have issued formal requests to insurance regulators in five states, including Florida, Tennessee, Georgia, South Carolina, and North Carolina.

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Insurance Claim Claim Policyholder Property Insurance 214

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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Policyholder Claim Insurance Claim Property Insurance 264

Property Insurance Coverage Law

FEBRUARY 5, 2025

A recent viral social media post following the California wildfires has brought to light a critical issue: homeowners are finding their insurance claims denied because their properties are held in trusts, yet the trusts are not listed on their insurance policies.

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Insurance Claim Claim Insurance Policy Insured 100

Property Insurance Coverage Law

MAY 7, 2025

I will deliver a presentation at the Annual Meeting of the National Association of Public Insurance Adjusters (NAPIA) next month, focusing on two cornerstones of property insurance claims: proofs of loss and examinations under oath. Its a topic I first addressed for NAPIA exactly forty years ago.

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Property Insurance Insurance Claim Insured Insurance 178

Property Insurance Coverage Law

JANUARY 29, 2025

It seems like yesterday, but the world of property insurance claims has changed significantly since 1985. 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

Insurance Journal

SEPTEMBER 25, 2024

Citizens Property Insurance Corp., Florida’s largest insurer, has suspended policy binding ahead of predicted Hurricane Helene, and a board member asked if the carrier could do more to help policyholders manage flood insurance claims from the looming storm. “My question …

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Claim Policyholder Property Insurance Insurance Claim 279

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

Insurance Journal

SEPTEMBER 12, 2024

Did you hear the one about cat poop clogging a toilet, resulting in thousands of gallons of sewage water in the home and a big insurance claim? Lin Werkheiser, an insurance fraud investigator, has heard that one and many more …

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Claim Insurance Claim Insured Insurance 312

Property Insurance Coverage Law

JANUARY 29, 2025

It seems like yesterday, but the world of property insurance claims has changed significantly since 1985. 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

NOVEMBER 18, 2024

This distinction remains critically important for today’s insurance practitioners and policyholders alike. This post is a follow-up to Where Did the Proof of Loss … The post Proof of Loss Requirements: A 222-Year-Old Case Still Relevant for Modern Insurance Claims appeared first on Property Insurance Coverage Law Blog.

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Insurance Claim Claim Policyholder Property Insurance 203

The Property Insurance Law Observer

MAY 20, 2025

Plaintiff submitted a claim to the Insurer for the damage. These documents included a rough property damage estimate, an invoice for emergency response, photographs of fire damage, and partial bank records. The Insurer filed an unopposed motion for summary judgment seeking dismissal of all claims.

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Insurance Journal

NOVEMBER 21, 2024

Officials with Florida’s Citizens Property Insurance Corp. took issue Thursday with a number of national and Florida news reports that have suggested that the insurer has the “worst rate” on paying claims after recent hurricanes. “That’s just not accurate,” Citizens …

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Claim Property Insurance Insured Insurance 279

Insurance Journal

APRIL 29, 2025

Six weeks after Tampa-based Heritage Property & Casualty Insurance Co. filed a libel suit against a whistleblower claims adjuster, the adjuster’s lawyer has pushed back, arguing that the suit is an attempt to silence those who question insurers’ damage estimates.

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Casualty Insurance Damage Claim Insured 290

Property Insurance Coverage Law

JUNE 11, 2025

Protective Safeguards Endorsements (PSEs) are a never-ending source for denials of property insurance claims. I quoted an insurance agent who warned against these endorsements in Why Are Protective Safeguard Endorsements Dangerous?

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Property Insurance Coverage Law

OCTOBER 22, 2024

Policyholders and public adjusters need to be aware that National Flood Insurance claims are very technical with demanding deadlines that must be met.

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Claim Policyholder Insurance Claim Property Insurance 202

Insurance Journal

APRIL 28, 2025

After receiving multiple inquiries about the use of aerial images in property insurance nonrenewals, West Virginia’s insurance commissioner has posted guidelines for insurers’ use of the technology. In a bulletin this month, Commissioner Allan McVey reminded insurance companies that aerial …

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Property Insurance Insured Insurance Insurer 233