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The West Virginia Offices of the Insurance Commissioner regulate the state’s insurance industry. One way the OIC does this is by investigating consumer complaints against insurance companies, agents, and adjusters. If you think that your insurance claim or policy has been delayed, wrongly denied, deliberately underpaid, or improperly managed, you can file a complaint with OIC and request an investigation.…
Continue Reading How to File a Complaint with the West Virginia Offices of the Insurance Commissioner

The Colorado Division of Insurance got an earful from Colorado policyholders dealing with insurance claim problems at a virtual town hall meeting last night. The event, Insurance Town Hall – Partial Losses in the Boulder Fires & Straight Line Winds, had panelists discussing the issues of soot, ash, and char claims following the recent Marshall Fire. Insurance Commissioner Michael Conway was obviously frustrated hearing how Coloradans are being treated with their claims. He stated that “his blood pressure was going up” and that he intended to call Liberty Mutual and Travelers. The event was recorded and will be on the Division’s website.…
Continue Reading Soot, Ash, and Char Claims Are Hot Topic At Colorado Insurance Commission Virtual Town Hall Meeting

A respected insurance claims expert challenged me to comment about the emotional trauma and problems faced by the public with repeat natural catastrophes. His remarkable challenge coined a new phrase, “warmageddon:”

With climate changing to weirder weather, hurricanes moving northward, winds and fuels endangering communities, you’d think the bloggers would write about the need for a new awareness and skill set by consumer lawyers to help the public deal with the consequences of warmageddon.

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Continue Reading The Emotional and Mental Health Damages from Natural Disasters and Climate Change

If you are a frequent reader of Property Insurance Coverage Law Blog, you know that many of our blog posts make a very important recommendation to all policyholders: read the full policy. If you happened to miss this lesson, otherwise championed by insurance professional Bill Wilson as one of the “10 Commandments of Policy Interpretation,” you can read more in When Words Collide: Policy Interpretation Doctrines and the 10 Commandments. Understand Your Insurance Policy Better—RTFP! …
Continue Reading Unfair Claims Practices May Continue Through Disbursement of the Settlement Check: The Hidden Accord and Satisfaction Language

The Virginia State Corporation Commission (SCC), created in 1902, regulates the state’s insurance industry to ensure compliance with all applicable laws.1 One way the SCC does this is by investigating consumer complaints against insurance companies, agents, and adjusters. If you think that your insurance claim or policy has been delayed, wrongly denied, deliberately underpaid, or improperly managed, you can file a complaint with SCC and request an investigation into the matter.…
Continue Reading How to File a Complaint with the Virginia State Corporation Commission

The Tennessee Department of Commerce and Insurance (“TDCI”) “regulates and licenses both individuals and corporations, assesses suspicions of fraud, and provides resources to . . . citizens of Tennessee.”1 One way the TDCI does this is by investigating consumer complaints against insurance companies, agents, and agencies.…
Continue Reading How to File a Complaint with the Tennessee Department of Commerce and Insurance

The Division of Insurance in South Dakota’s Department of Labor and Regulation (“SDDOI”) seeks to “protect the public and make insurance available and affordable.”1 One of its main functions is to answer consumer questions and investigate consumer complaints. If you think that your claim has been delayed, unfairly denied, or otherwise poorly handled, you can file a complaint with SDDOI requesting an investigation.…
Continue Reading How to File a Complaint with the South Dakota Department of Labor and Regulation

The North Dakota Insurance Department (“NDID”) regulates insurance companies and provides and promotes the “public good by fairly and effectively administering the laws of North Dakota.”1 One way it does this is by investigating consumer complaints of wrongdoing by insurance companies, agencies, and agents. If you think that your claim has been delayed, unfairly denied, or otherwise poorly handled, you can file a complaint with NDID requesting an investigation.…
Continue Reading How to File a Complaint with the North Dakota Insurance Department

United Policyholders is the one organization that policyholders can count on to stand up and comment on what insurance companies are trying to push through departments of insurance. United Policyholders Sandy Watts and I will be presenting today about insurance gaps created in new language found in insurance policies. One policy form we will be talking about is the one State Farm is pushing for approval in the California Department of Insurance.…
Continue Reading State Farm New Policy Filing In California Should Be Concerning To All In the Property Insurance Industry—An Example Is the New Appraisal Language

The mission of the Nevada Division of Insurance (“NDI”) is to “protect the rights of Nevada consumers in their experiences with the insurance industry.”1 Its Consumer Services Section responds to approximately 25,000 consumer inquiries every year and has recovered millions of dollars for Nevada policyholders.2 One of the core functions of the NDI’s Consumer Services Section is to investigate consumer complaints about insurance companies, agents, and adjusters. If your claim has been delayed, wrongly denied, deliberately underpaid, or otherwise improperly managed, you can file a complaint with NID requesting an investigation.…
Continue Reading How to File a Complaint with the Nevada Division of Insurance