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

MARCH 21, 2025

10-3-1118, was designed to protect policyholders from unfair denials based on alleged failures to cooperate. Colorados Cooperation Law, enshrined inC.R.S.

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

MARCH 21, 2025

10-3-1118, was designed to protect policyholders from unfair denials based on alleged failures to cooperate. Colorados Cooperation Law, enshrined inC.R.S.

Policyholder

Property Insurance Coverage Law

MARCH 4, 2025

How many days do you have to move into a new home after purchase to keep your insurance coverage valid? 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?

Property Insurance

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

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.

Policyholder

Property Insurance Coverage Law

FEBRUARY 17, 2025

The Florida House Committee on Banking and Insurance seemed to have many constituents upset with delays and denials when I was testifying in front of them a month ago. The insurance representative tried to explain that many of the denials were because most policies do not cover flood.

Policyholder

Property Insurance Coverage Law

FEBRUARY 19, 2025

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

APRIL 13, 2025

Few voices for policyholder interests and their rights have remained as consistent, credible, and compassionate as Amy Bach and her team at United Policyholders.

Policyholder

Property Insurance Coverage Law

APRIL 10, 2025

In 2023, the Florida Legislature made a catastrophic mistake that is now hurting thousands of Floridians.

Policyholder

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. A recent court decision in Sublett v. This case is not just about a technical legal loss.

Insurance Claim

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. A Deeper Look at Its Corporate Structure and Growing LossesShould Policyholders Dump State Farm? 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

MAY 27, 2025

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

Insurance 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

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

APRIL 10, 2025

In 2023, the Florida Legislature made a catastrophic mistake that is now hurting thousands of Floridians.

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

JANUARY 31, 2025

Recent wildfires in Southern California are putting new California insurance laws to the test. Insurers conduct and behavior vary wildly, even for people who hold similar policies with the same companies. For example, a homeowner … The post Should You Accept Your Insurers Initial Wildfire Payout?

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. A Deeper Look at Its Corporate Structure and Growing LossesShould Policyholders Dump State Farm? appeared first on Property Insurance Coverage Law Blog.

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

APRIL 28, 2025

When a devastating fire damages a building and a municipality orders it razed, the instinctive reaction of many policyholders is to expect that their insurance will cover the total loss.

Policyholder

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

Property Insurance Coverage Law

MAY 21, 2025

Boggs continues to distinguish himself as one of the most candid, insightful, and impactful educators in the insurance industry. It is a wake-up … The post Why Most Insurance Agencies Fail Policyholders: Christopher Boggs Exposes the Half-Donkeyed Truth appeared first on Property Insurance Coverage Law Blog.

Policyholder

Insurance Journal

JULY 22, 2025

North Carolina’s residual property insurance association is expanding its roof-grant program by $20 million, offering $6,000 to policyholders who upgrade their roofs to the more wind-resistant FORTIFIED standard. “In May, we launched the Strengthen Your Roof program, which invested $20 …

Policyholder

Property Insurance Coverage Law

MAY 21, 2025

Boggs continues to distinguish himself as one of the most candid, insightful, and impactful educators in the insurance industry. It is a wake-up … The post Why Most Insurance Agencies Fail Policyholders: Christopher Boggs Exposes the Half-Donkeyed Truth appeared first on Property Insurance Coverage Law Blog.

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

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

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

APRIL 14, 2025

When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. Under NFIP rules, a partial … The post Partial Denials Start Statute of Limitations Time Clock in National Flood Claims appeared first on Property Insurance Coverage Law Blog.

Claim

Property Insurance Coverage Law

APRIL 15, 2025

If passed in its current form, the bill would severely restrict how public adjusters can charge their clients in the wake of catastrophic eventsand it is policyholders who will pay the price, as many may lose access to adjusters … The post Californias AB 597 Threatens to Limit Access to Public Adjusters After Disasters appeared first on Property (..)

Policyholder

Property Insurance Coverage Law

APRIL 28, 2025

When a devastating fire damages a building and a municipality orders it razed, the instinctive reaction of many policyholders is to expect that their insurance will cover the total loss.

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

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