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Games Insurance Counsel Play to Avoid Guilt
Insurance companies often forget the people they are fighting in lawsuits are their customers. Their attorneys, often in a rush to obtain clients and cases and be viewed as "aggressive" and "macho"...
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Memorial Day and a Memorable Insurance Case From New Jersey
Memorial Day along the Jersey Shore is a big deal. Many new clients and friends I have met since Superstorm Sandy have commented on how much Memorial Day Weekend means to New Jersey shore families....
View ArticleHurricane Season 2013
The 2013 Hurricane Season is just around the corner. I normally do not worry much about early season hurricanes because the "big ones" normally do not start rolling until August. Still, this time of...
View ArticleJersey Shore Windstorms Happened Long Before Sandy
The New Jersey shore has a long history of windstorms well before Superstorm Sandy. For example, in Basics of Concurrent Causation in New Jersey, Rob Trautman noted the 1955 decision of Brindley v....
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Fooled 'Em Again--New Jersey Bar Welcomes Chip Merlin
Larry Bathgate swore me into the New Jersey Bar this morning. I told him we had to do it quickly, before they learned of their mistake. Only God knows how I passed the bar exam; maybe the grader felt...
View ArticleSuperstorm Sandy: Many Causes, Many Losses---Is Your Business Income Loss...
I spoke in Manhatten yesterday at the New York State Society of Certified Public Accountants. The presentation was Superstorm Sandy: Many Causes, Many Losses---Is Your Business Income Loss Covered? I...
View ArticleSuperstorm Sandy Seminar for Public Insurance Adjusters
We will be teaching a Superstorm Sandy seminar for Public Insurance Adjusters next Monday at the East Side Marriott in Manhattan. Here is the agenda we outlined for the New York Department of...
View ArticleRallying Jersey Shore Policyholders at Joey Harrison's Surf Club
We represent Joey Harrison's Surf Club. It is a landmark on the Jersey Shore. Generations of Jersey Shore sun worshippers have made fond memories with family and friends at the Surf Club.I met many of...
View ArticleOverhead and Profit versus Supervision
Monday's Superstorm Sandy Seminar for Public Insurance Adjusters had some very interesting discussions involving the fine details of adjustment. One of those had to do with the costs of supervision and...
View ArticleAdjustment of Claims is 100 Percent Policyholder Service--Is The Insurance...
Property claims adjusters are supposed to promptly evaluate damage, investigate coverage, and provide full benefits to policyholders. Adjustment is about giving the customer the service promised and...
View ArticleOpen Perils and Named Perils Coverage--What is the Difference?
Les Knox and I had an interesting discussion regarding all risk insurance and named perils coverage while debating a loss on the Jersey Shore. Les referred to the policy as an "open perils" policy, and...
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Superstorm Sandy Insurance Questions? Roadmap to Recovery Workshops Provide...
Superstorm Sandy raises a bunch of questions for many policyholders wondering if they are receiving the insurance benefits they are owed and how to go assert their rights to those benefits. I was asked...
View ArticleContents Claim Adjusting Is Tedious, Time Consuming and Few Insurance...
Contents claims adjusting is a hard and tedious job. Few insurance companies conduct a prompt investigation and evaluation of contents losses even though they may be evaluating the real property...
View ArticleDo Some Public Adjusters Charge Too Much?
How much should public adjusters charge? How much is too much? This was a question I was asking myself after last night's Road to Recovery workshop which I posted about in Superstorm Sandy Insurance...
View ArticleAmy Bach - NAPIA Person of the Year
The National Association of Public Insurance Adjusters presented its Person of the Year Award to United Policyholder's Executive Director, Amy Bach. The award was made at the annual meeting last week...
View ArticleRobert Hunter, Amy Bach, and Robin Westcott Call For Claim File Transparency
Every insurance company says it conducts itself honestly and fairly when handling a customer's insurance claim. But how do you know it really is acting honestly and fairly? In California, policyholders...
View ArticleSean Shaw to Head Up Model Claim Transparency Bill
Sean Shaw was the former Insurance Consumer Advocate under Alex Sink. He knows a thing about legislation and politics--he is running for a seat in Florida's House of Representatives.I promised a plan...
View ArticleDead Bodies--Are They a Covered Peril?
The FC&S Bulletin Questions and Answers opined that damage caused by dead bodies is covered. A federal judge recently disagreed, finding damage caused by dead bodies was not covered.Six years ago,...
View ArticleFourth of July Fireworks Not Favored By Insurance Companies
Fireworks on the Fourth of July is an American tradition. It is too bad that American insurance companies are not historically so fond of the tradition.An example is found in the facts and denial of...
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