Matching can be one of the more difficult and contested issues in the property insurance world. Some jurisdictions address the issue by statutes and regulations requiring the replacement of undamaged items when the damaged items cannot be replaced in a way that achieves a reasonably uniform appearance. Other jurisdictions address the issue through case law.
Continue Reading Connecticut’s Matching Statute

The mission of the Connecticut Insurance Department is consumer protection. The Department carries out its mission by enforcing state insurance laws to ensure policyholders are treated fairly, by providing assistance, outreach, and education to help consumers make sound choices, and by regulating the industry in a fair and consistent manner that fosters market competition for availability of insurance.
Continue Reading How to File a Complaint with the Connecticut Division Of Insurance About Your Delaying, Denying and Bad Treating Insurance Company

Crumbling foundations have been an ongoing issue in Connecticut for the past few years. A flurry of lawsuits have been filed against many insurers due to collapsed foundations, and even one class action lawsuit. It all stems from concrete from the quarry, Becker Construction Company, and poured by J.J. Mottes & Company. This company poured approximately 20,000 foundations in the past 30 years. J.J. Mottes has been accused of shady business practices such as pouring leftover concrete shown to contain pyrrhotite, a mineral that can cause cracking as it reacts with water and oxygen.
Continue Reading If Your Foundation is Crumbling in Connecticut, You’re Not Alone

The Broad Evidence Rule has been used in Connecticut to calculate Actual Cash Value (ACV) on property damage cases since 1959.1 That all changed in 2011 when the Connecticut House of Representatives passed Substitute House Bill No. 6238. This bill nullified the Broad Evidence Rule and instead calculated ACV for homeowners and commercial risk insurance properties by taking the Replacement Cost Value and deducting depreciation to obtain ACV.

Continue Reading Connecticut Values Actual Cash Value as Replacement Cost Value Minus Depreciation