As a follow up to the Insurance Protection Gaps webinar mentioned in yesterday‘s post, Water Loss From Toilet Overflow Is Covered Despite State Farm Denial, Professor James Hilliard of Temple University’s Department of Risk, Insurance, and Healthcare Management provided a basic outline and his presentation is somewhat similar to Professor Jay Feinman’s much more detailed work on the matter. Continue Reading Fighting Insurance Coverage Protection Gaps Is Sound Public Policy

Chip Merlin and FAPIA Executive Director Nancy Dominguez

The largest public adjuster conferences are with the Florida Association of Public Insurance Adjusters (FAPIA). Nancy Dominguez is the Executive Director pictured with me at this past weekend’s conference. Two major themes resonated at the conference—insurance protection gaps and forgotten catastrophe-victim policyholders. Continue Reading Insurance Protection Gaps and Forgotten Policyholders are Major Topics at FAPIA

The First Party Claims Conference in Providence, Rhode Island was very much a success. I was late to the event and missed hearing a presentation where a sponsor said that meeting with legislators and insurance regulators is a waste of time. Ironically, I was late because I was in Tallahassee testifying as an invited panelist to represent the policyholder’s viewpoint before the Florida Senate Banking and Insurance Committee. Obviously, I could not disagree more with this sponsor and I believe their viewpoint is simply wrong and dangerous. The one person and organization that has been taking action, getting pro-policyholder laws passed, and stopping bad proposed legislation with more success than anybody is Amy Bach of United Policyholders. Continue Reading United Policyholders Has a Seat at the Table With Insurance Leaders and Takes Action to Stop the Insurance Protection Gap

Professor Jay Feinman

On March 29, 2019, I had the distinct pleasure of joining a distinguished panel of practitioners, educators, and policy makers at The Protection Gap in Property Insurance program sponsored by Rutgers Insurance Law Professor Jay Feinman, Rutgers law School and The Rutgers Center for Risk and Responsibility.1 Continue Reading Pitfalls For Policyholders: Rutgers Protection Gap Seminar Zeros In On Things Your Insurer Won’t Tell You

Professor Jay Feinman

Gaps in Insurance coverage are an increasingly significant issue. The Rutgers Center for Risk and Responsibility and the Rutgers Law School will hold a conference on The Protection Gap in Property Insurance, on Friday, March 29. This conference will address the protection gap in residential and commercial property losses and related types of losses in the United States. Continue Reading The Protection Gap in Property Insurance—Why Nobody Should Buy Farmers Smart Plan Insurance

This Friday, October 11 at 12:30 p.m. EST, Holly Soffer, who is the general counsel of the American Association of Public Insurance Adjusters (AAPIA), and I will co-host a free live webinar on the subject of coverage gaps and what can be done to stop this problem. Rutgers insurance law professor Jay Feinman, author of, Delay, Deny, Defend – Why Insurance Companies Don’t Pay Claims And What You Can Do About It, will have a guest video appearance on the topic. Continue Reading Insurance Gaps Are Killing Policyholders, Your Business and Your Ability to Restore Damaged Property—Sign Up For This Friday’s Insurance Gaps Seminar

Rutgers Law Professor Jay Feinman has written an excellent paper regarding insurance protection gaps (of which insurance gaps are a subset) involving residential structures: The Protection Gap in Homeowners Insurance: An Introduction. I recently mentioned this emerging issue in, Coverage Gaps Plague Policyholders! Merlin Law Group and AAPIA Host Webinar Explaining What Is Being Done To Fight This Problem. Continue Reading Insurance Coverage Gaps—An Increasing Insurance Crisis Which Needs To Be Addressed and Stopped

Airbnd, and other similar "home-sharing" services, are becoming a popular way to make money by renting out your home or condo to short-term paying guests while you are away.

But before you agree to let any paying guest stay in your home, you should give some serious thought to the risks associated with these types of situations (for example, if a renter damages your property or if someone gets hurt during the stay) and look into whether the insurance coverage you have will provide protection for these risks.

Continue Reading Does Your Homeowners Insurance or Airbnb’s Host Protection Plan Cover You For Damage or Liability Arising from Short-Term Home-Sharing Rentals?

The Mid-Atlantic Association of Public Insurance Adjusters (MAPIA) held a meeting this past week with about thirty-five public adjusters in attendance. President Paul Yemm, yours truly, Holly Soffer, and Tony DiUlio are pictured above. Soffer and Diulio gave a wonderful insurance gaps presentation that was highlighted Tony DiUlio’s discussion of a water loss that resulted in a bad faith verdict against State Farm. Continue Reading Water Loss From Toilet Overflow Is Covered Despite State Farm Denial