Archives: Consumer Protection

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How to File A Complaint with the New Jersey Department of Banking and Insurance About Your Denying, Delaying and Bad Treating Insurance Company

New Jersey suffers from a wide breadth of property damage claims. The most common of them being flood, fire, frozen and/or burst pipes, water damage from appliance leaks and damage from storms. New Jersey residents should always be mindful of their homeowners insurance policy and the protections it affords and coverage that is excluded.… Continue Reading

How to File a Complaint with the Connecticut Division Of Insurance About Your Delaying, Denying and Bad Treating Insurance Company

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 … Continue Reading

How to File a Complaint with the Arkansas Department of Insurance About Your Delaying, Denying, and Bad Treating Insurance Company

The Arkansas state motto is “Regnat Populus” which means “The People Rule.” With the state motto in mind, Arkansas policyholders can seek assistance with their insurance claims through the Arkansas Department of Insurance at www.insurance.arkansas.gov. When a policyholder has been mistreated by having their claim delayed, denied or handled in bad faith, Arkansas provides an … Continue Reading

How To File A Complaint With The Commonwealth Of Massachusetts, Division Of Insurance About Your Delaying, Denying And Bad Treating Insurance Company

The Massachusetts Consumer Service Department responds to inquiries and assists consumers in resolving insurance complaints against insurers, producers and other licensees. Consumer Services also advises consumers of their options and rights under their policies, state laws and regulations. They maintain a database which has an inventory of all written complaints and inquiries received from the … Continue Reading

How To File A Complaint With The Ohio Department of Insurance About Your Delaying, Denying and Bad Treating Insurance Company

If an insured in Ohio (“Ohioan”) is being mistreated by a delaying, denying, and bad treating insurance company, the Ohioan always has the option of voicing his or her displeasure to the Ohio Department of Insurance (“ODI”) via Complaint. The submission of a Complaint to ODI prompts an investigation by ODI into the insurance carrier’s … Continue Reading

Hurricane Michael Victims Should Not Be Shaken Down By Unlicensed Contractors Selling AOB’s To Third-Party Crooks

A public adjuster alerted me to a Hurricane Michael policyholder being “shaken down” by a third party who allegedly purchased an AOB from an unlicensed contractor. What makes it worse is that the policyholder is being confronted by the third party and a person holding himself out to be an attorney.… Continue Reading

How To File A Complaint With The Hawaii Department of Insurance About Your Delaying, Denying and Bad Treating Insurance Company

Hurricanes, tsunamis, and earthquakes are the most common natural disasters to impact the State of Hawaii. The 2018 Hawaii hurricane season was one of the most destructive in recent memory, with six hurricanes hitting the islands. 2018 also brought the lower Puna volcano eruption.… Continue Reading

How to File A Complaint With The South Carolina Department of Insurance About Your Delaying, Denying, and Bad Treating Insurance Company

“The Department of Insurance was created to protect the insurance consumers, public interest, and insurance marketplace by ensuring the solvency of insurers, enforcing and implementing the insurance laws of the state, and regulating the insurance industry in an efficient, courteous, responsive, fair, and equitable manner.” —The South Carolina Department of Insurance Mission Statement… Continue Reading

Insurance Regulation and the Attack on Admitted Insurance Carriers in Florida

Insurance regulation is important. Unlike other commercial products, insurance is a product that serves the public trust. Without regulation, history has proven that insurers cannot control themselves. They go broke just when we need them the most and their claims practices, if unchecked, can be atrocious. States with a strong admitted marketplace should be encouraged. … Continue Reading

United Policyholders Warns Floridians About Bad Proposed Insurance Laws

Amy Bach is on the side of angels when it comes to fighting for policyholder rights. She is the Executive Director of United Policyholders which is the nation’s largest not for profit advocacy. She and her staff have spent considerable time in Florida educating the public and Florida lawmakers about insurance and sound public policy … Continue Reading

Third Circuit Court of Appeals Allows New Jersey Policyholder’s Consumer Protection Claims Against Insurer for Deceptive Claims Handling

In an important New Jersey policyholder decision, the U.S. Court of Appeals for the Third Circuit recently addressed New Jersey’s Consumer Fraud Act (CFA) and ruled the CFA applies to an insurer’s deceptive claims handling practices as well as the sale of insurance policies.1… Continue Reading

Delays, Denials and Underpayments Occur When Insurance Companies Are Not Held Accountable—-What Are Florida Legislators Thinking?

Florida legislators have introduced legislation allowing insurance companies to delay, deny, and underpay Floridians’ insurance claims without accountability. National Flood insurance has no such good faith standards nor accountability and the above news story shows how Floridians can be expected to be treated if the Florida legislature passes anti-consumer laws eliminating protections that have been … Continue Reading

Summary of California Property Insurance Legislation Enacted in 2018

California residents were not spared from disaster in 2018. Instead, devastating wildfires continued, which included the biggest and most devastating wildfires to ever ravage California. The continued disasters were more frequent and begun much earlier during California’s prolonged dry period. The number and size of the wildfires along with insurance carriers’ claim handling have brought … Continue Reading

For The Policyholder! Merlin Law Group’s Kelly Kubiak Testifies Before The Florida Legislature

Insurance company lawyers and lobbyists are a crafty crew. Kelly Kubiak got word from me after I learned late Tuesday afternoon that Florida legislators needed to hear from her early Wednesday morning regarding a proposed law that would let delaying, denying and wrongful acting insurance companies obtain a “get out of free jail card” so … Continue Reading

Colorado Overhead and Profit Issues—Merlin Law Group Files a Response for Colorado Policyholders

The Colorado Department of Insurance has proposed eliminating one of its long-standing bulletins requiring insurance companies to pay contractor overhead and profit rather than deduct the amount until incurred. Such an elimination is obviously against policyholder interests and is the result of insurance industry lobbyists making inroads with Colorado insurance regulators who are supposed to … Continue Reading

Colorado Division of Insurance Reissues Bulletin on Colorado Homeowners’ Right to Obtain Additional or Enhanced Coverages

Balancing the cost of insurance premiums and the potential costs related to being displaced from your home, repair costs required by local building code, or higher replacement costs can be challenging for a homeowner. For Colorado homeowners, it is important to understand that they have rights to additional and/or enhanced insurance coverage options if they … Continue Reading

Puerto Rico Aprueba Enmiendas Al Código de Seguros Para Proteger A Los Asegurados Y Mejorar Los Procedimientos Para Solucionar Reclamaciones

A raíz de la catástrofe causada por los huracanes Irma y María, surgió la necesidad de revisar el proceso de reclamaciones ante las aseguradoras en aras de hacer este uno más eficiente. Es por esto que, el gobierno ha trabajado en métodos que ayudarán a mejorar los procedimientos de manejo de reclamaciones ante las aseguradoras. … Continue Reading

Puerto Rico Approves Amendments to the Insurance Code to Protect Policyholders and Improve Claim Handling Procedures

After the catastrophe caused by Hurricanes Irma and Maria, there was a need for an efficient recovery process. The government has worked on methods to improve the way insurance claims are handled. Following models from multiple jurisdictions in the United States, Puerto Rico will now have available more protections and resolution methods for property and … Continue Reading
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