Subrogation Rights---Potential Danger Zone for Policyholder Coverage
Policyholders naturally want to get their property back to a pre-loss condition as soon as possible after a loss. One potential problem involves preserving evidence to protect an insurance company’s...
View ArticlePolicyholders Lose Rights in Florida Courts
In yesterday's decision QBE Insurance Corporation v. Chalfonte Condominium Association Inc., Case No. SC09-441 (Fla. May 31, 2012), the Florida Supreme Court held that insurance companies can break...
View ArticleNAPIA Annual Convention in San Diego
The National Association of Public Insurance Adjusters is the oldest public adjusting organization in the United States. Its membership has most of the finest, knowledgeable and experienced insurance...
View ArticlePublic Adjusters Can Appear at Examination Under Oath
Bitter disagreements among counsel inevitably occur regarding the logistics of examinations under oath. The examination under oath procedure is usually not detailed in the insurance policy. The first...
View ArticleLaw and Ordinance Coverage C Limits of Coverage---How Much to Obtain?
Law and Ordinance Coverage (often referred to as "Code Upgrade Coverage") can be extremely complicated for those involved in any aspect of property insurance coverage. From a policyholder's standpoint,...
View ArticleRoofers and Contractors Targeted by Texas Department of Insurance
The Texas Department of Insurance issued a bulletin this week indicating it is targeting contractors and roofing companies that "have been advertising or performing acts that would require them to hold...
View ArticlePublic Adjusters Win Free Speech Rights and Ability to Promptly Help...
Public adjusters that are retained promptly after a loss can often be far more helpful than being retained long thereafter. Policyholders usually need professional and practical assistance as soon as a...
View ArticleIn the Lions Den: Speaking at the Willis Re Insurance Construction Conference
Willis Re hosted a seminar in New York City this past Wednesday titled Casualty for Construction Risks: Economic, Market and Claims Trends That Are Shaping The Competitive Landscape. The event was very...
View ArticleBenjamin Franklin is the Father of American Insurance
Philadelphia is a fun city that brings back a lot of memories for me. I took a deposition of an insurance claims manager from Maiden Re yesterday and then spent some time with Kevin Healey of my firm...
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Late Notice--When is Late Too Late?
A case issued yesterday shows when late notice is simply far too late. The policyholders lost in Kramer v. State Farm Florida Insurance Company,1 because they had no proof that the insurer was not...
View ArticleIs Citizens Board of Directors Violating Florida Law?
Are the Board of Directors at Citizens Property Insurance Corporation above Florida Law? Should the Attorney General investigate what is going on with Citizens? Where is Florida's Insurance Consumer...
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Florida Insurance Advocate Robin Westcott Comes Out Strong For Policyholders
Sean Shaw and I often talk about those who are truly insurance advocates for Florida policyholders. Robin Westcott took over the job for Sean Shaw as Florida's Insurance Consumer Advocate. Sean now...
View ArticleTalk About Insurance Fraud---How About Recent Conduct by Some Insurance Agents?
I like insurance agents. Without them and the products they sell, where would I be? While the vast majority of insurance agents are honest people I would be proud to associate with, some cause problems...
View ArticleInsurance and Insurance Claims Handling Involves the Public Trust
Virtually every aspect of insurance involves the public trust. The insurance industry does not disagree. This was a point we made in an amicus brief filed in Jacobsen vs. Allstate Insurance Company, a...
View ArticleArizona Office Opened---Hail Damage Claims Disputed
We have opened an Arizona office in the Phoenix area. Monica Lindstrom is heading our efforts there. The primary reason for the office is to help policyholders with hail storm damage claims which are...
View ArticleUnderstanding Hail Damage Claims: New Asphalt Shingles are More Resistant to...
I am learning much from hail damage claims throughout the United States. While I mentioned Phoenix hail damage claims in Arizona Office Opened---Hail Damage Claims Disputed, I was in St. Louis,...
View ArticleHurricane Issac Slowly Strikes
Hurricane Issac is slowly battering the Louisiana Coast and Mississippi Sound this morning. After initially making landfall at the mouth of the Mississippi River, it made a western jog back into the...
View ArticleThe Emotional Impact of Catastrophes
When people are placed in harm’s way and displaced, the emotional toll cannot be overstated. I thought about this after a Fox Business News interview this morning. Fox was following up on a piece I...
View ArticleState Farm Faces Criminal Probe Regarding Roof Claim Handling
State Farm advertises extensively to promote an image of providing "Good Neighbor" service. Since many insurance companies have a less than sterling reputation, this marketing strategy is important....
View ArticleInsurance Company Rules
Insurance company rules were discussed at the Consumer Attorneys Association of Los Angeles 30th Convention this past weekend. Attorney Scott Glovsky brought the following video to my attention. It...
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