Property Insurance Coverage Law Blog
Latest from Property Insurance Coverage Law Blog
Misrepresentation In The Application– Incorrect Answers About Prior Losses And Rental Use Doom Recovery
Policyholders must provide accurate answers to questions in insurance applications or face the possibility of no recovery. Prior losses and use of the property as a business or as rental property are often inquired about before an insurer will agree to insure the property. The answers need to be accurate or a policyholder will jeopardize ……
Has A Property Insurance Company Ever Issued An Apology For Bad Faith Practices Or Wrongful Claims Conduct?
What Does It Mean To Be “The Policyholder’s Advocate?” A Blog Post For Every Leader Supporting Policyholders
Amy Bach of United Policyholders (UP) deserves to be recognized more than anybody else after writing the title of this post. She has stood the test of time. She is “The Good Shepherd” for policyholders. Since co-founding UP in 1991, Bach has dedicated her career to advocating for the rights and interests of insurance consumers across the ……
The Policyholder Eventually Must Prove the Amount of the Loss
An unpublished California case decided this week1 makes a basic point of property insurance claim practice: The policyholder must eventually prove the amount of damage. Policyholders with a significant property damage claim should always consider hiring a competent and experienced public adjuster to do so. The insurance company argued that it paid everything it determined ……
Evaluating Roof Damage: Who Really Is Qualified To Conduct An Expert Roof Examination?
Note: This guest post is by Steven Thomas. As president and owner of Roof Leak Detection Company, Inc., Steven Thomas has evaluated over 20,000 roofing systems on commercial, industrial, and residential properties, and has been qualified in court as an expert regarding roof testing and evaluations. His company is an approved Testing Laboratory and has ……
Statutes and Case Law Impact Insurance Policy Interpretation
The post: “Do Typical Insurance Appraisers Follow California Code of Civil Procedure 1282.2?” led to an interesting comment from an experienced Florida public adjuster, Bill Cook: How does the required code apply when the two appraiser are able to negotiate a resolution absent umpire involvement in accordance with policy provisions? Should parties be required to incur ……
Do Typical Insurance Appraisers Follow California Code of Civil Procedure 1282.2?
The IAUA seminar in Marina Del Rey had two excellent instructors discuss the legal aspects of California insurance appraisals last week. The special presentation on California issues involving appraisal, presented by insurance defense attorney Larry Arnold and policyholder attorney Joel Gumbiner, noted that California Code of Civil Procedure 1282.2 had to be followed by the ……
“The Appraisal Process: Resolution of Disputed Insurance Claims” by John A. Voelpel III
Those involved in insurance appraisals as appraisers or umpires should purchase John Voelpel’s new book, The Appraisal Process: Resolution of Disputed Insurance Claims. John has taught the Windstorm Insurance Networks sold-out appraisal courses for over twenty years. Voelpel is as experienced as anybody regarding appraisal. His personal notes about appraisal are part of why the ……
Washington Supreme Court Reaffirms the Broad Nature of Ensuing Loss Exceptions to Exclusions
Washington is one of the most pro-policyholder states in the country. As we recently noted in Dan Veroff Discusses Washington Insurance Law, Washington imposes severe penalties for mishandled claims. As a new example of the state’s commitment to protecting policyholders, the Washington Supreme Court issued an opinion on Thursday reaffirming a pro-policyholder principle established 12 ……