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.

Policyholder

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.

Policyholder

Property Insurance Coverage Law

JUNE 26, 2025

The Rocky Mountain Association of Public Insurance Adjusters (RMAPIA) has produced a comprehensive and scientifically grounded guide to handling fire losses that deserves serious attention from anyone involved in the adjustment of fire-related insurance claims.

Policyholder

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

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

Property Insurance Coverage Law

MAY 16, 2025

This weeks Senate hearing on the insurance industrys claims practices following natural disasters wasnt just a made-for-TV moment. It was a five-alarm warning siren for policyholders and insurers across the country.

Claim

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

Property Insurance Coverage Law

JULY 21, 2025

In the aftermath of wildfires, when families are left sifting through ashes and trying to rebuild their lives, the true quality of an insurance policy comes sharply into focus. Too often, we hear from policyholders who thought they were adequately insured.

Policy

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.”

Claim

Property Insurance Coverage Law

FEBRUARY 19, 2025

As hurricane claims attorneys on both sides of the v. 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.

Policyholder

Property Insurance Coverage Law

JULY 27, 2025

In the latest episode of Claim Game, I sat down with Steven Bush to dissect the state of insurance claims handling, particularly following major catastrophes like hurricanes or wildfires.

Insurance Claim

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

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.”

Claim

Property Insurance Coverage Law

FEBRUARY 3, 2025

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

Damage

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. 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.

Policyholder

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

Property Insurance Coverage Law

JULY 22, 2025

A recent Texas decision serves as a warning to policyholders and public adjusters about relying on the appraisal process to revive insurance claims long after an initial denial. Court Dismisses Policyholder’s Lawsuit as Time-Barred Despite Post-Appraisal Denial appeared first on Property Insurance Coverage Law Blog.

Policyholder

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. 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.

Policyholder

Property Insurance Coverage Law

JULY 30, 2025

A decision last week reinforces a harsh reality for policyholders who conduct business through corporations or limited liability companies: if the person or officer controlling the company commits fraud in the course of an insurance claim, the insurer can usually deny coverage not just to that wrongdoer, but to the entire business.

Policyholder

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

Property Insurance Coverage Law

APRIL 18, 2025

Safeco Insurance Company of America 1 serves as a timely reminder for claims professionals to revisit how to interpret actual cash value (ACV), replacement cost value (RCV), and general contractor overhead and profit (GCOP) under property insurance policies which define the terms. This weeks ruling by the Ninth Circuit in Dow v.

Policyholder

Insurance Journal

JULY 27, 2025

A decision by a federal appeals court last week shows what limited options insurance carriers have when they discover major misrepresentation by the insured long after claims have been paid. 11th Circuit Court of Appeals last week found …

Insurance Carrier

Property Insurance Coverage Law

MAY 6, 2025

Wright National Flood Insurance Company 1 highlights a harsh reality for policyholders seeking to recover under the National Flood Insurance Program (NFIP).Strict Wright National Flood Insurance Company 1 highlights a harsh reality for policyholders seeking to recover under the National Flood Insurance Program (NFIP).Strict

Policyholder

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

Insurance Journal

JUNE 24, 2025

claiming the supplemental insurance giant knew the risks of a cyberattack and failed to protect policyholders’ private information. An Alabama law firm wasted little time in filing a proposed class-action lawsuit against Aflac Inc., “Defendant disregarded the rights of Plaintiff …

Policyholder

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

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.

Policyholder

Property Insurance Coverage Law

JULY 24, 2025

That’s when the claims process begins. And for far too many policyholders, that’s when the games begin. That’s why I created Claim Game, a … The post When the Storm Passes, the Real Fight Begins: Join Me Tonight for Claim Game with Steven Bush appeared first on Property Insurance Coverage Law Blog.

Claim

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.

Policyholder

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

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 …

Claim

The Property Insurance Law Observer

MARCH 20, 2025

Hawley Insurance Co. 2025)), the United States District Court for the Southern District of New York determined that the plaintiff lacked an insurable interest in property it insured because it did not own or possess the property or suffer economic loss due to the propertys destruction. Hawley Insurance Co.

Property Damage

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

Property Insurance Coverage Law

FEBRUARY 3, 2025

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

Damage

Property Insurance Coverage Law

MAY 3, 2025

Insurance disputes requiring appraisal make the selection of a neutral umpire a critical turning point. In a recent federal case arising from a property damage claim, the court was asked to break … The post Why Did a Judge Select the Policyholders Umpire Over State Farms Nominees?

Property Damage

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. After reading the facts and allegations of a recent water claim denial, I would suggest they also should be concerned with alleged experts providing opinions about the cause of water losses.

Insurance Companies

Property Insurance Coverage Law

JUNE 20, 2025

After a wildfire claim, many policyholders breathe a sigh of relief when they receive an advance or “undisputed” payment from their insurance company.

Claim