Robert Trautmann

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California Mudslide Exclusions Unenforceable Where Wildfires Caused Slide

Most homeowners and commercial insurance policies contains exclusions for loss or damages caused by mudflow or other similar occurrences. An example of on such exclusion is included below: b. Earth Movement and Settlement, meaning earthquake, which includes land shock wavers or tremors before, during or after a volcanic eruption; landslide; mudflow; sinkhole; earth sinking, rising … Continue Reading

Claims Handling Requirements by State – Colorado

Up next in the state-by-state claims handling tour is the Centennial State – Colorado. Colorado property owners have been devastated by massive hail storms over the last several years so it is very important that policyholders and their representatives are aware of the claim handling requirements of the state. Colorado’s claim handling is governed by … Continue Reading

Claims Handling Requirements by State – Arkansas

I recently received a request to write about the claims handling guidelines in Arkansas. As always, I am happy to help. The Arkansas Insurance Rules and Regulations state that the “purpose of this rule is to define certain minimum standards which, if violated with such frequency as to indicate a general business practice, will be … Continue Reading

Claims Handling Requirements by State – Tennessee

As promised in my recent post regarding the Gatlinburg fires, today we are looking at the claims handling guidelines provided by the Tennessee code. The Tennessee code has general requirements that require insurance carriers to develop standards and practices for the prompt and proper handling of claims in the Unfair Claims Settlement Practices Act.1… Continue Reading

Rutgers Law School and United Policyholders Launch Essential Protections for Policyholders Project

    If you have spent time handling your own insurance claim or are fortunate enough to represent policyholders in claims with their insruance carriers, you know that not all insurance companies are created equally. Some treat their customers very well. Some don’t. Likewise, not all states are equal when it comes to laws that … Continue Reading
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