The Virginia State Corporation Commission (SCC), created in 1902, regulates the state’s insurance industry to ensure compliance with all applicable laws.1 One way the SCC does this is by investigating consumer complaints against insurance companies, agents, and adjusters. If you
Continue Reading How to File a Complaint with the Virginia State Corporation Commission
In one of the more bizarre causes of loss, owners of a million-dollar house tried to rid the home of snakes by “smoking them out.” Unfortunately, they burned down their home in the process. The person bringing me this crazy
Continue Reading Is Smoking Out the Snakes and Burning Down the House Covered?
The Louisiana legislature heard a lot of testimony and complaints about property insurance carriers that were not only slow-paying but also far too low-paying on hurricane claims following Hurricane Ida. The stories were similar to the post earlier this week
Continue Reading Slow and Lowball Paying Insurance Companies—Why Is It Happening?
The title to this post was my reaction after reading a Virginia trial court opinion sent to me from Karl Dennison of Goodman, Gable & Gould (aka The Three G’s.) Insurance companies always have disputes about what is damaged and
Continue Reading Why Go To Appraisal If You Cannot Determine The Loss?
Policyholders do not study all the forms available for coverage, nor do they typically understand how policies can be tailored to provide better coverage through endorsements. In a recent blog about soft costs under a builders risk policy, Builders Risk
Continue Reading Pick A Great Insurance Agent When Deciding Upon Builders Risk Coverage
Insurance companies have an obligation to promptly investigate coverage and evaluate damages when adjusting a first party property insurance claim. When an insurer fails to do this, it has failed to act in good faith. A federal court in Washington
Continue Reading Claim Delay Leads to Bad Faith Judgement
Federal common law interpreting the rules and regulations of the National Flood Program is usually not helpful to policyholders. It has truly become a situation where technical, literal rules are followed to the letter of the law rather than any
Continue Reading Policyholders and Not Their Attorneys Need to Sign Flood Proof of Loss Forms
The Tennessee Department of Commerce and Insurance (“TDCI”) “regulates and licenses both individuals and corporations, assesses suspicions of fraud, and provides resources to . . . citizens of Tennessee.”1 One way the TDCI does this is by investigating consumer complaints
Continue Reading How to File a Complaint with the Tennessee Department of Commerce and Insurance
What are additional living expenses?
Additional living expenses are typically included as a coverage in homeowner property insurance policies under “Loss of Use.” In a recent blog post, Is Your Insurance Company Threatening to Prematurely Terminate Loss of Use Benefits
Continue Reading Additional Living Expenses: What Does Your Policy Cover and For How Long?
In the wake of Hurricane Ida, many adjusters and contractors are headed to the State of Louisiana to assist in the assessment of damages and clean up. While heading into Louisiana, it is important to closely read the insurance policies.
Continue Reading A Reminder to Out of State Public Adjusters and Contractors Working in Louisiana
