Today, The National Flood Insurance Program (NFIP) issued Bulletin W-22012 — Hurricane Ian Claims Payment Process, which describes the claims process and the responsibilities of the NFIP insurers (WYO Companies and the NFIP Direct) for Hurricane Ian claims. You can read the bulletin here.
Continue Reading Hurricane Ian Flood Proof of Loss Deadline Extended
An insurance company may have the right to examine its insured under oath in connection with its investigation and evaluation of an insurance claim. Most insurance policies impose an obligation on the insured to cooperate with the post-loss investigation. An insured’s failure or refusal to comply with an obligation to cooperate by submitting to an
The state of Vermont is known for green mountains, ski slopes, and foods like maple syrup and the ever-popular Ben and Jerry’s ice cream.
Continue Reading How are Insurance Contracts Interpreted in Vermont?
Matching can be one of the more difficult and contested issues in the property insurance world. Some jurisdictions address the issue by statutes and regulations requiring the replacement of undamaged items when the damaged items cannot be replaced in a way that achieves a reasonably uniform appearance. Other jurisdictions address the issue through case law.
Continue Reading Connecticut’s Matching Statute
In Arkansas Insurance Department Recognizes That Policyholders Do Not Normally Climb on Roofs To Inspect For Damage, Chip Merlin blogged about a May 4, 2020, bulletin issued by the Arkansas Department of Insurance, regarding Windstorm and Hail Claims.1
Continue Reading Updated Arkansas Insurance Bulletin on Windstorm and Hail Claims
Choice of law is an issue that may arise in a property insurance dispute. The law can differ from jurisdiction to jurisdiction. When faced with this issue, the first step is to read the full policy.
Continue Reading Choice of Law in Florida Property Insurance Disputes
“No matter what people tell you, words and ideas can change the world.”
—Robin Williams
Carefully reading your insurance policy is crucial because the interpretation of just one word can impact whether a policy provides coverage for your loss. Sometimes coverage can turn on a simple conjunction such as the word “and.”
Continue Reading Every Word Matters in a Property Insurance Policy
On March 30, 2020, the United State Court of Appeals for the Fifth Circuit issued an opinion in Mitchell v. State Farm Fire & Casualty Company,1 on the interpretation of the term “Actual Cash Value.”
Continue Reading Interpretation of Actual Cash Value in Mississippi
On March 18, 2020, the Sixth Circuit Court of Appeals issued its opinion in Perry v. Allstate Indemnity Company,1 ruling as a matter of law that it was improper for Allstate to depreciate labor costs.
Continue Reading Another Court Ruling on Improper Depreciation of Labor
It is not often that I am able to find a property insurance issue involving my favorite sport—golf! I previously wrote in Hole in One Insurance Coverage, about a dispute involving a hole in one contest at the July 2015 PGA tour event, the Greenbrier Classic, where the charity that was operating the event, Old White Charities, Inc. (“Old White”) sought coverage for two prizes it was obligated to pay in a hole-in-one contest.
Continue Reading You Had a “Hole in One” and Won a Prize!!! Not so Fast—The “Hole In One” Insurance Carrier Denies The Claim