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Site title: Insurance & Federal Legislation for Property Owners
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The Texas Department of Insurance (“TDI”) has proposed new rules to carry out a Texas law passed in 2025. If the rules are approved, they will apply to certain residential and auto insurance policies issued or renewed on or after September 1, 2026. TDI will take public comments through June 8, 2026, and it will …
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There are very few organizations in the insurance world that have earned the level of trust and respect United Policyholders has. United Policyholders (UP) is a nonprofit 501(c)(3) founded in 1991 after a Northern California wildfire exposed just how devastating underinsurance and adversarial claims handling can be for families and communities. Its mission is to …
Georgia quietly sits among those states that have adopted what is commonly known as a valued policy law, a doctrine that can dramatically change the outcome of a total loss fire claim. Too many overlook just how powerful this statute can be when properly understood and applied. I have discussed the history of valued policy …
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The deposition testimony of former catastrophe adjuster Cliff Millikan should be a wake-up call to anyone who cares about the integrity of the insurance system. It is not just another dispute over claims handling. It reveals an insurance workplace culture within parts of the insurance industry that discourages truth-telling, punishes those who speak up, and …
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Water is life. Every culture, every profession, and every person understands that truth instinctively. Without it, nothing works. When water goes wrong, too much of it or not enough of it, everything can fall apart. Scientists remind us that all known life depends on water and its unique properties to sustain biological processes. In today’s …
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