Property Insurance Coverage Law Blog

Insurance companies bring experienced professionals to the claims process. Policyholders should be able to bring knowledgeable help of their own. Florida Attorney General James Uthmeier has opened an investigation into the issue, announcing on October 20 that his office subpoenaed Velocity Risk Underwriters over possible agreements that restrict policyholders from hiring lice...

Buying an insurance policy should not mean agreeing to whatever additional hurdles the Legislature might create years later. The Florida Supreme Court reinforced that principle in Universal Property & Casualty Insurance Co. v. Hughes, holding that Florida’s property insurance pre-suit notice requirement does not apply to policies issued before July 1, 2021. 1 For policyho...

Yesterday, in “Behind State Farm’s Claims Curtain: Who Is Really Managing Your Insurance Claim?”, I introduced readers to internal State Farm documents made public in an Oklahoma bad faith lawsuit. I promised we would look more closely at what those documents reveal about the management of claims adjusters and the corporate goals established for the claims …

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Yesterday, in “When Will Insurers Advertise That They Found a Way to Pay You More?” I raised questions about the insurance industry’s fascination with claims efficiency and reducing costs. I suggested that claims professionals should be just as interested in finding overlooked damage and increasing payments when the facts justify it. While some insurers like …

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A claims practice expert whose identity I have agreed to keep confidential recently sent me a question that ought to make insurance executives squirm a little: “Can you name an insurer who recently advertised that it wanted to increase claim payments to benefit its deserving policyholders?” If you are a policyholder struggling to get paid, …

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