Property Insurance Coverage Law

JANUARY 22, 2025

I am snowed in after taking the deposition of a 1099 temporary claims adjuster in South Carolina. Much of his testimony has me thinking about the plight of the modern independent claims adjuster doing catastrophe work. During his deposition, the independent catastrophe adjuster said he had asked to have his claims load reduced.

Claim 188

Claim Property Insurance Insured Insurer 188

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 187

Claim Policyholder Property Insurance Insurance Claim 187

Property Insurance Coverage Law

MAY 27, 2025

Westfield Insurance Company 1 shows how even well-intentioned policyholders can lose a flood insurance claim before their lawsuit ever begins. This case is not just about a technical legal loss.

Insurance Claim 186

Insurance Claim Claim Policyholder Damage 186

Insurance Journal

JUNE 29, 2025

Two more property insurers have put their toes in the Florida market this summer, bringing to 14 the number of new carriers in the state since 2023. It’s another sign that legislative discouragement of claims litigation has made a difference …

Property Insurance 272

Property Insurance Claim Insured Insurance 272

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.

Claim 191

Claim Policyholder Property Insurance Insured 191

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 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.

Claim 205

Claim Policyholder Property Insurance Insurance Policy 205

Property Insurance Coverage Law

FEBRUARY 3, 2025

We have battled insurance companies, co-counseled on cases, and discussed property insurance case law at a depth most … The post Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim appeared first on Property Insurance Coverage Law Blog.

Damage 194

Damage Claim Policyholder Property Insurance 194

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.

Claim 177

Claim Policyholder Property Insurance Insured 177

Property Insurance Coverage Law

JULY 3, 2025

A recent appellate decision offers an instructive example of how procedural missteps and insufficient expert disclosures can prove fatal to a policyholder’s insurance claim. 1 The case arose from property damage allegedly caused by Hurricane Irma in 2017.

Property Insurance 124

Property Insurance Property Damage Damage Insurance Claim 124

Property Insurance Coverage Law

JUNE 10, 2025

If you were found to give your estimate to anyone, … The post Can Claims Managers in Florida Ethically Tell Adjusters Not to Share Estimates with Policyholders? appeared first on Property Insurance Coverage Law Blog. TSI Adjusters warns their field adjusters: Warning: Do not share your estimate with anyone.

Policyholder 203

Policyholder Claim Property Insurance Insured 203

Property Insurance Coverage Law

APRIL 21, 2025

Our firm is now taking the first step to find out whether the claims of systemic bias hold water. The statement … The post What If Every Insurance Company Engineer Report Suggests a Denied Claim? Were About to Find Out appeared first on Property Insurance Coverage Law Blog.

Insurance Companies 203

Insurance Companies Claim Property Insurance Insured 203

Property Insurance Coverage Law

MAY 20, 2025

Occidental Fire and Casualty Company of North Carolina 1has reignited an important and often misunderstood question regarding supplemental claims. Are supplemental flood claims under the National Flood Insurance Program subject to the same one-year statute of limitations as the original claim?

Claim 124

Claim Property Insurance Insured Insurer 124

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 200

Policyholder Claim Property Insurance Policy 200

Insurance Journal

JULY 14, 2025

A Miami homeowner is suing Florida’s Citizens Property Insurance Corp. for forcing him into arbitration over a 2024 damage claim dispute, claiming the process violates due process and equal protection rights. Stainton Williams, 92, contends the damage to his home …

Claim 191

Claim Damage Property Insurance Protection 191

Property Insurance Coverage Law

JULY 1, 2025

In a recent decision, 1 a federal judge noted the following in a Texas hail damage claim dispute: People in North Texas have at least a few common experiences between them: being disappointed in the Dallas Cowboys, losing Luka Dončić to the Lakers, and being in a hailstorm.

Claim 153

Claim Damage Property Insurance Insured 153

Property Insurance Coverage Law

MARCH 20, 2025

Welcome to the California FAIR Plan, an entity overseen by executives from California’s major admitted insurance carrierscarriers who evidently believe rules are for other people.

Damage 178

Damage Claim Property Insurance Policy 178

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.

Claim 180

Claim Policyholder Property Insurance Insurance Policy 180

Insurance Journal

JUNE 25, 2025

Three years after Citizens Property Insurance Corp. made the unprecedented move to resolve many of its residential claims disputes through a state agency instead of through litigation, officials are now planning to send some commercial claims down that same path.

Commercial 222

Commercial Claim Property Insurance Insured 222

Insurance Journal

JUNE 23, 2025

North Carolina authorities have charged a 65-year-old man and his two sons with insurance fraud for allegedly submitting false and exaggerated claims to one of the state’s property insurers of last resort. William Andrews Sr., of Elon, and his sons …

Property Insurance 232

Property Insurance Claim Insured Insurance 232

Property Insurance Coverage Law

FEBRUARY 11, 2025

Will My Insurer Pay Me 100% of My Contents Claim After a Wildfire Loss? Californias Insurance Commissioner Thinks They Should Without an Inventory Experiencing the loss of your home and personal belongings in a wildfire is an unimaginable hardship.

Property Damage 199

Property Damage Damage Property Insurance Claim 199

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.

Claim 130

Claim Damage Property Damage Policy 130

Property Insurance Coverage Law

MAY 20, 2025

Occidental Fire and Casualty Company of North Carolina 1has reignited an important and often misunderstood question regarding supplemental claims. Are supplemental flood claims under the National Flood Insurance Program subject to the same one-year statute of limitations as the original claim?

Claim 138

Claim Property Insurance Insured Insurer 138

Property Insurance Coverage Law

JUNE 25, 2025

In my recent Claim Game interview with Professor Jay Feinman, one moment in particular captured what many in the insurance world know, but rarely say out loud: insurers get away with bad faith because courts or court-made law let them. appeared first on Property Insurance Coverage Law Blog.

Property Insurance 255

Property Insurance Claim Insured Insurance 255

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.

Policyholder 167

Policyholder Damage Property Insurance Insurance Claim 167

Property Insurance Coverage Law

APRIL 9, 2025

According to this sparkling gem of judicial thought, it turns out that its not enough to tell your insurance company, “Hey, my house … The post The New “Notice” Trap: Better Ring a Bell for Every Coverage You Might Claim appeared first on Property Insurance Coverage Law Blog.

Claim 159

Claim Property Insurance Insurance Policy Insurance Companies 159

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 171

Policyholder Risk Property Insurance Insurance Claim 171

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.

Casualty Insurance 290

Casualty Insurance Damage Claim Insured 290

Property Insurance Coverage Law

JUNE 27, 2025

A new Alaska law explicitly makes it illegal to depreciate the expense of labor in residential property insurance claims unless very specific conditions are met. Section 89 of Senate Bill 132 adds a new statute to the Alaska Insurance Code: Sec. Depreciation of labor.

Property Insurance 159

Property Insurance Insurance Claim Claim Policy 159

Insurance Journal

MARCH 19, 2025

After years of rising insurance premiums, anger from homeowners, and recent reports about some property insurance carriers’ alleged diverting of profits, bills seen as “consumer friendly” continue to gain traction in the Florida Legislature. One of those bills, Senate Bill …

Insurance Carrier 199

Insurance Carrier Property Insurance Premium Claim 199

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 189

Policyholder Property Insurance Insurance Claim Claim 189

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 100

Claim Policyholder Property Insurance Insurance Companies 100

Property Insurance Coverage Law

JUNE 19, 2025

Citizens Property Insurance Corporation that is a significant win for policyholders. 1 At the center of the case was a dispute over how damages should be measured and presented to a jury when an insurer has outright denied coverage for a loss. Florida’s Second District Court of Appeal issued an opinion yesterday in Brito v.

Claim 100

Claim Policyholder Property Insurance Damage 100

Property Insurance Coverage Law

JANUARY 24, 2025

In one case, he noted the following: As soon as an evacuation order was lifted in her neighborhood, Arlynn Page raced back to … The post California Smoke Soot and Ash ClaimsA Cause for Concern appeared first on Property Insurance Coverage Law Blog.

Claim 203

Claim Damage Property Insurance Insured 203

Property Insurance Coverage Law

FEBRUARY 27, 2025

Meanwhile, State Farm has been busy suppressing the methods it uses to adjust water loss claims in Tong v. State Farm General Insurance Company. This case continues to shed light on State Farms handling … The post State Farms Water Protocol appeared first on Property Insurance Coverage Law Blog.

Property Insurance 203

Property Insurance Claim Insurance Companies Insured 203

Property Insurance Coverage Law

MARCH 11, 2025

If policyholders ignore such obligations, insurance companies can try to delay payment or, in more extreme circumstances, even deny payment altogether for what … The post Avoid Claim Denials: Key Policyholder Duties After a Loss appeared first on Property Insurance Coverage Law Blog.

Policyholder 138

Policyholder Claim Property Insurance Insurance Policy 138

Property Insurance Coverage Law

FEBRUARY 3, 2025

We have battled insurance companies, co-counseled on cases, and discussed property insurance case law at a depth most … The post Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim appeared first on Property Insurance Coverage Law Blog.

Damage 100

Damage Claim Policyholder Property Insurance 100