Ashley Harris

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Colorado Supreme Court Clarifies Unreasonable Delay or Denial Statute

The Colorado Supreme Court issued two opinions favorable to Colorado policyholders earlier this week: American Family Mutual Insurance Company v. Barriga; and Rooftop Restoration, Inc. v. American Family Mutual Insurance Company. Both cases address the unreasonable delay or denial of insurance benefits statute in Colorado. This post addresses the Barriga opinion, and the Rooftop Restoration, … Continue Reading

Appraisal and Flood Insurance Claims

2017 brought with it three major hurricanes causing widespread flooding to thousands of homeowners and business owners. Those policyholders with a flood insurance policy through the National Flood Insurance Program (“NFIP”) might consider invoking the flood policy’s appraisal provision.… Continue Reading

Attempt to Bar Post-Loss Assignment of Benefits Denied

Assignment of benefits is one of the hottest topics in Florida first party property insurance and it’s no secret that insurance carriers are not in favor of AOBs. Some insurance carriers, like Security First Insurance Company, tried to take matters into their own hands and add language into their homeowners, condominium unit owners and “dwelling … Continue Reading

Appraisal in Puerto Rico

Insurance carriers and policyholders have historically enjoyed the benefits of the appraisal provision included in most property insurance policies. Appraisal tends to be less expensive, time-consuming, and formal compared to traditional litigation. Unfortunately, appraisal is not an option for policyholders in Puerto Rico.… Continue Reading

Florida Valued Policy Law & Hurricane Irma

We recently received a requested blog topic for the following: FL Value Policy Law as it would apply with Hurricane Irma. If we have an insured with a Citizens policy with Cov A limit of $200,000 and our repair estimate is $180,000 should the value policy law be applied? Answer: It depends. (I’m a lawyer, … Continue Reading

Is the Insurance Company Adjusting Your Claim Fairly in Puerto Rico?

Too many in Puerto Rico are still dealing with the catastrophic effects of Hurricane Maria. Today the focus is on getting basic supplies like drinking water to nearly half the population. An insurance claim is likely not a priority at this moment for those owning homes or businesses in Puerto Rico. However, insurance companies must … Continue Reading

Hurricane Matthew – Personal Property Claims

In a catastrophic event like Hurricane Matthew, often insurance adjusters are spread thin with a large number of claims and time pressures to close claims. The insurance adjuster that comes to your home or business will likely not have the time to give your claim the attention it deserves. Even worse, personal property and business … Continue Reading

Alabama Bad Faith: Part 1

I was recently approached by a policyholder inquiring whether he had a viable claim for bad faith under Alabama law. In responding to his inquiry I did quite a bit of research and will share my findings with you now in this two-part blog on Alabama Bad Faith.… Continue Reading

Is Your Claim Too Late in Georgia?

Some losses are not as readily apparent to policyholders as a fire or significant water loss. The policyholder may not discover the damage until days, weeks or months after the loss occurred. This can often be the case for hail losses to roofs. However, when the policyholder gives notice weeks or months after the loss, … Continue Reading

Alabama Statute of Limitations

Last April I became licensed as an attorney in the State of Alabama. When discussing claims with insureds, one of the first questions asked is, “what is the statute of limitations in xxxxx state?” Our blog has not addressed the statute of limitations in Alabama, and below is a quick cheat sheet for Alabama insureds.… Continue Reading

Mechanical Breakdown Insurance

For the commercial policyholder, mechanical breakdown insurance is an important and often vital coverage for its business. Companies are dependent on a variety of machines to manufacture, store, and sell products, as well as communicate with customers. This coverage is necessary for a number of different types of businesses, from wine cellers to large manufacturers.… Continue Reading
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