The Colorado Division of Insurance (DORA) has requested comments1 on a proposed bulletin about timelines that insurance companies impose upon policyholders to complete repairs and replace damaged property. Here is the proposed bulletin:


Continue Reading Colorado Asks For Response On Unilateral Insurer Timelines To Complete Construction or Replacement

A lawsuit by Olympus Insurance Company challenges Florida’s Office of Insurance Regulation about issues of paying for property that matches following a repair. The lawsuit also challenges whether the Florida matching statute is a minimum limit of indemnity and if insurers can contract out of matching.
Continue Reading Is Florida’s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching?

The Office of the Montana Commissioner of Securities and Insurance (CSI) is responsible for regulating the state’s insurance industry. One of the ways it accomplishes this mission is by “serv[ing] as the official advocate for Montana consumers in disputes with their insurance company.”1 If you live in Montana and think that your insurance claim or policy has been delayed, wrongly denied, or deliberately underpaid, you can file a complaint with CSI and request an investigation into the matter.
Continue Reading How to File a Complaint with the Montana State Auditor’s Insurance Department

The Mississippi Insurance Department (MID) seeks to “impartially enforce the laws and regulations” relating to the insurance industry.1 It does this in part by reviewing and investigating consumer complaints about their insurance companies and agents. If you live in Mississippi and think that your insurance claim or policy has been delayed, wrongly denied, or deliberately underpaid, you can file a complaint with LDI and request an investigation into the matter.
Continue Reading How to File a Complaint with the Mississippi Insurance Department

Minnesota regulates its insurance industry through the state’s Commerce Department (MCD). One of the purposes of the MCD is to investigate consumer complaints to ensure that insurance companies, agents, and adjusters are complying with all state laws and regulations. If you think that your insurance claim or policy has been delayed, wrongfully denied, or deliberately underpaid, you can file a complaint with the MCD.
Continue Reading How to File an Insurance Complaint with the Minnesota Commerce Department

Many of us appreciate misdirection, deception, and technical play on words in brainteasers and riddles. The same is not usually the case when an insurer is explaining your legal rights following a devastating loss. While this blog showcases California claims, laws, and regulations, the principle for policyholders and policyholder advocates applies across the country – it pays to know your insurance claim rights.
Continue Reading Don’t Believe Everything You Read on the Internet – or Even in Your Claim Letter

Hurricane Ida claims in Louisiana are underway. Following Hurricane Laura, a number of Louisiana public adjusters complained about many insurance companies not speaking with them and simply ignoring their own policyholder customers. All adjuster and claims managers should read and follow a February 26, 2021, Bulletin1 from Louisiana’s insurance commissioner about what is expected of them regarding good faith claims handling and working cooperatively to help Louisiana policyholders.
Continue Reading Louisiana Policyholders Deserve Good Faith Treatment – Insurance Companies Cannot Ignore Public Adjusters and Should Communicate with Policyholders

The goal of the Michigan Department of Insurance and Financial Services (DIFS) is to ensure that “[a]ll Michigan consumers. . . have access to insurance . . . provided by companies that treat them fairly.”1 DIFS’s Office of Consumer Services helps achieve this goal by investigating consumer complaints of wrongdoing by insurance companies, agencies, and agents. If you think your claim has been delayed, unfairly denied, or otherwise poorly handled, you can file a complaint with DIFS requesting an investigation
Continue Reading How to File a Complaint with the Michigan Department of Insurance and Financial Services

The Louisiana Department of Insurance receives, on average, more than 3,600 complaints every year from consumers who are dissatisfied with how they have been treated by their insurance provider.1 If you live in Louisiana and think that your insurance claim or policy has been delayed, wrongly denied, or deliberately underpaid, you can file a complaint with LDI and request an investigation into the matter.
Continue Reading How to File a Complaint with the Louisiana Department of Insurance

Mississippi unfair claims practice law and bad faith actions are unique. Following Hurricane Katrina, I took the Mississippi Bar and represented hundreds of Mississippi businesses and residents with insurance disputes arising from Hurricane Katina. I was honored to represent the grandparents of my co-author in this blog post. As a kid, I lived for three years in Waveland, Mississippi. Merlin Law Group is still being retained on property insurance disputes in Mississippi. Since her interest in property insurance law started with our firm’s work in Mississippi, I look forward to working with Kathryn on those cases after she gets the results from her bar examination.
Continue Reading Understanding Mississippi Unfair Claims Practice and Bad Faith Cases Based on Delay