Archives: Insurance Claim

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Arizona Insurers Reminded to Provide Timely and Specific Notice of Coverage Changes

Last week, the Arizona Department of Insurance issued the first Regulatory Bulletin of 2017.1 The Bulletin reminded property insurance carriers that, pursuant to A.R.S. § 20-1677, they must provide their policyholders with written notice of premium increase, changes in deductible or reduction in limits or substantial reduction in coverage at least thirty days before the … Continue Reading

Personal Property Depreciation by the Insurance Company After a Loss Should be Scrutinized by Policyholders

I often hear the same complaint from clients: They feel the insurance company has undervalued their personal property after a loss and are frustrated by the insurance company’s valuation and rate of depreciation. The reality is that even when an insured has a “replacement cost” policy, the insurance company can depreciate personal property values because … Continue Reading

Condominium Association Sues Carrier for Damages Sustained During Hurricane Joaquin

Riggings Homeowners, Inc. (“Riggings”), has filed suit against Hartford Insurance Company of the Midwest (“Hartford”) for damages sustained to Building 1 of the condominium association during Hurricane Joaquin. In a 10-count complaint filed in the U.S. District Court for the Eastern District of North Carolina,1 Riggings alleges that Hartford “has a pattern and practice of … Continue Reading

Hurricane Matthew – Personal Property Claims

In a catastrophic event like Hurricane Matthew, often insurance adjusters are spread thin with a large number of claims and time pressures to close claims. The insurance adjuster that comes to your home or business will likely not have the time to give your claim the attention it deserves. Even worse, personal property and business … Continue Reading

Supplemental Insurance Claims – Insureds Beware of Requirements Outside the Policy

Supplemental claims are becoming more common, especially on large projects where additional loss and damage may be discovered while completing the repairs or replacement. But what happens when the insurance company places conditions or limitations not contained within the policy upon the submission of a supplemental claim for additional or missed damages?… Continue Reading

Ten Tips: How To Make Your Claim Easy to Pay

Note: This guest blog is by Curtis Hutchens, an AV Martindale Hubell preeminent lawyer, a Florida Supreme Court Certified Civil and County Court mediator, a qualified arbitrator and a Windstorm Insurance Network (WIND) Umpire and Fellow and serves as President of WIND. He also serves the legal community as a Florida Bar Grievance and Fee … Continue Reading

Homeowners: Insurance Claims Must Be Disclosed if Filing for Bankruptcy

Depending on who you talk to, some would say that our economy has recovered or improved since the recent recession. However, there are many individuals—in particular, homeowners—who are in financial difficulty and have no option but to file for bankruptcy. If you are going through the bankruptcy process, and you have an insurance claim pending, … Continue Reading

Insurance Companies Search Social Media During Property Claim Investigations, Part I

Policyholders are human and social media has really become a way of life for the young and those in their golden years. Not surprisingly, homeowners and business owners suffering a loss, post about their problems on social media. But consider this: insurance companies are using information gathered from your social media profiles to look for … Continue Reading

Remand and Fair Notice Pleading and Texas Rule 91a: “Same As It Ever Was”

It is very common in first-party litigation for the policyholder to sue the in-state adjuster in addition to the out-of-state insurance company and thereby destroy diversity so the case remains in state court.  The carrier will generally remove the case anyway and claim that the joinder of the adjuster is improper.  In a very general … Continue Reading
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