On July 16, 2022, I wrote a blog regarding a recent decision in Wisconsin where the Federal District Court for the Eastern District of Wisconsin limited appraisal to “valuation” disputes. Today, I am pleased to announce that upon a Motion to Reconsider, the court reversed its decision and entered an order requiring the parties to submit their disputes to the appraisal process.1
Continue Reading Wisconsin Federal Court Corrects Its Error and Orders State Farm to Appraisal

Former State Farm adjusters laugh during speeches I give when the topic of State Farm operation guides arises. State Farm uses Operation Guides to make processes for every activity it does. Most insurance companies have these. The funny thing about State Farm’s is that if printed out, they can literally take up twenty feet of pure paper—and this is just for claims.
Continue Reading State Farm Operation Guide Regarding Appraisal

The American Policyholder Association (APA) is holding its annual Membership Summit week at the Magnolia Hotel in Denver, Colorado. Doug Quinn, the APA’s Executive Director, is dogged in his unrelenting drive to show where policyholders are being harmed as a result of fraud and unfair practices by insurers. Doug was a victim of this abuse from Superstorm Sandy and decided to do something about the problem.
Continue Reading American Policyholder Association Membership Summit in Denver on July 12-14

Researching the origins of the appraisal clause, I posted about one found in a 1793 property policy in An Appraisal Clause From 1793. I came across the same clause in a 1761 maritime policy that was found in a virtual Harvard library.
Continue Reading Appraisal Clause in 1761 Maritime Policy and Reflections on Fast Resolution of Controversies