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Remember how the Florida insurance industry and its lobbyists promised that if AOB reform were passed, insurance rates would drop because AOB litigation was the cause of increased premiums? Since that law passed, rates have not dropped. Floridians were duped by insurance industry propaganda, and the same insurance industry is promoting more anti-policyholder laws that literally prevent Citizens Property Insurance from asking for a rate decrease—and some Florida legislators voted yesterday to make it against the law for Citizens Property to ask for a rate decrease!…
Continue Reading Do Not Believe Florida’s Insurance Industry That Laws Will Reduce Rates When Rates Often Depend Upon Mother Nature and Reinsurance Rates

I will be in Tallahassee today providing testimony regarding property insurance claims legislation. It seems that every year the Florida insurance industry makes up a crisis which calls for Florida legislators to fix. Remember how the AOB reform was promised to reduce rates and had to be passed? The legislation was passed and the insurance rates have not gone down. Why should anybody trust the insurance lobbyists? Insurance companies try to act like victims when they are making up alleged scapegoats and obscuring the reality of what they do in the claims process.…
Continue Reading Zeroed Out Hurricane Claims and Cheating Claims Practices—Why Are Our Florida Politicians Ignoring These Ongoing Claims Problems and Seemingly Protecting Cheating Insurance Companies?

When a hurricane makes landfall, it is national news due to the devastation caused. Billions of dollars of damage, and thousands of people become homeless and without a job. Most everyone in the country has seen the pictures, if only for the shock value. As Floridians, most of us have lived this devastation in some shape or form. For policyholders, we know that the storm is only the beginning of the ordeal.…
Continue Reading Florida Senate Bill 76 and House Bill 305 Would Harm Policyholders and Encourage Improper Claims Handling by Insurers

A new bill is making its way through the Oklahoma legislative process that could impact policyholders and the roofing industry in Oklahoma. On March 3, by a vote of 77 to 11, the Oklahoma House of Representatives passed House Bill 1940, which would prohibit roofing contractors from waiving or paying any part of an insured’s deductible when the funds for repairing or replacing a roof come from an insurance company as a result of a property damage claim. The current form of the Bill was authored by Representative Kyle Hilbert and Senator James Leewright, and the Bill currently states:…
Continue Reading Oklahoma Bill Seeks to Prohibit Roofing Contractors from Covering Insureds’ Deductibles

If you’re a repeat reader of the Property Insurance Coverage Law Blog, you have likely come across a reference to one of Bill Wilson’s most important policy interpretation doctrines: RTFP!1 or “Read the full policy.” But what happens when you encounter a conflict not contemplated in the policy? Or worse yet, are not aware that consumer protections exist that can assist claim handling and broaden or clarify coverage?…
Continue Reading 2021 California Legislative Update: Assembly Bill 3012

Florida voters and policyholders should be outraged with Florida insurance regulators and politicians approving insurance policies that are not true replacement cost policies. The current pending legislation and recent regulatory actions found a sharp consumer backlash in a video story, Insurers Sending Letters To Replace Your Roof Or Lose Your Coverage, above and as quoted below:…
Continue Reading Florida Proposed Senate Bill and Recently Approved Florida Office of Insurance Regulations Harm Policyholders

The title to this blog answers the question raised in a headline news article, Who Does The Proposed Property Insurance Bill Protect? Insurance companies cannot vote but that would be hard to determine based on this recent anti-policyholder bill filed in the Florida Senate. Policyholders are voters and they should be made aware when their elected officials are selling them out to the insurance industry lobby. Florida Senate Bill 76 may have been filed by an elected official, but the official had it written by lobbyists for the insurance industry.…
Continue Reading Proposed Property Insurance Bill In the Florida Senate Protects Insurance Companies Over Voters and Policyholders

The battle regarding insurance surrogates is being waged in Washington state. Many insurance companies want the Department of Insurance to allow unlicensed non-adjusters determine how much policyholders deserve to be paid. Here is the what the Washington Department of Insurance states is a legislative priority:…
Continue Reading Insurance Surrogates and Insurers Delegating Those Duties Do Not Want Surrogates To Be held Accountable For Failing To Provide Honest and Good Faith Treatment In Washington

New laws enacted last month provide further support for California wildfire claimants by requiring carriers provide additional coverages. Only a few years ago, California enacted laws requiring insurers to provide coverage for Additional Living Expenses (ALE) incurred due to a covered loss relating to a state of emergency – almost every massive wildfire – for a period of no less than 24 months. (California Insurance Code Section 2060(b)(1).)…
Continue Reading New California Law Require Insurers to Pay Up to 36 Months of Additional Living Expenses and Advance at Least Four Months of Payments Following Wildfires