Note: This guest post is by Brian S. Goodman. Brian is a partner at the Baltimore law firm of Goodman & Donohue, LLC. He is also General Counsel to NAPIA.

Like many of you, I read Chip Merlin’s blog post every day in my role as General Counsel to the National Association of Public Insurance Adjusters ( So it was with great interest that I recently reviewed his post about the proposed new licensing Bill in Kentucky. Chip has asked for my thoughts on this, which I am happy to provide.

Continue Reading Goodman on Kentucky Public Adjuster Licensing Bill

I posted a blog earlier this week, Kentucky Allows Property Insurers To Shorten The Statute of Limitations—Even If You Do Not Know That A Loss Occurred. I received an email from an outstanding lawyer and colleague, Brandon McWherter. He sent me a case decided last month by a separate federal court in Kentucky that ruled favorably on a statute of limitations issue in Kentucky.1
Continue Reading A Follow Up to Kentucky Statute of Limitations Following Hailstorm Losses

Policyholders should always check their duties after loss, when the proof of loss is due and when the deadline is to file a lawsuit. It is hard to provide a notice of loss, much less file a lawsuit, if you are unaware that a loss happened but was not discovered. This is a frequent issue in hailstorm losses.
Continue Reading Kentucky Allows Property Insurers To Shorten The Statute of Limitations—Even If You Do Not Know That A Loss Occurred

When it comes to determining actual cash value and whether labor can be depreciated in Kentucky, do what insurance education Bill Wilson teaches and RTFP—Read the Full Policy. While a favorable Kentucky federal opinion ruled that depreciation could not be depreciated, it did so on the basis of ambiguity in the policy.1 It left open the question of whether the Kentucky Department of Insurance would allow insurers to have their policies.
Continue Reading Depreciation of Labor in Kentucky—Read the Policy!

The tragic tornadoes ripping through Kentucky and the Midwest this weekend will result in significant insurance claims. Policyholders are in need of immediate adjustment and payments of money to help soften the blow. Kentucky has a very strong public policy for good faith claims treatment which is found in its Unfair Claims Settlement Practices Act (USCPA).1
Continue Reading Kentucky Unfair Claims Settlement Practices Act

If you have suffered a property loss and believe that you have been wronged by a delaying, denying, and bad treating insurance company, you have the right to file a complaint with your state insurance commissioner.
Continue Reading How To File A Complaint With The Kentucky Department of Insurance About Your Delaying, Denying and Bad Treating Insurance Company