I recently received a request to write about the claims handling guidelines in Oklahoma. Again, I plan to go through all 50 states, but if you have a burning desire to see your state sooner rather than later, speak up! In Oklahoma, the handling of insurance claims is governed by both statute and the administrative code. Continue Reading Claims Handling Requirements by State – Oklahoma

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 deemed to constitute unfair claims settlement practices.” Ark. Ins. Rule & Reg. 43 § 1. Continue Reading Claims Handling Requirements by State – Arkansas

Next up in our whirlwind 50-state tour of claims handling requirements is the Tar Heel State. Unlike our previous stops in New Jersey and Pennsylvania, North Carolina has relatively few explicit claims handling requirements. This may be why North Carolina ranked dead last in a 50-state ranking of insurance regulations as pointed out by my colleague, Nicole Vinson. Continue Reading Claims Handling Requirements by State – North Carolina

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 Claims Handling Requirements by State – Tennessee

I was recently asked by a collegue how long an insurance carrier has to pay a claim once it has been submitted. Because I maintain a database of regulations for the fifty states at my desk, I could answer the question quickly, but I realized that having a quick reference for these materials might be helpful for others, and with that a blog series was born. I hope to work through all fifty states to discuss the regulations (or lack thereof) that affect claims handling. Naturally, the first stop is the Garden State.

Continue Reading Claims Handling Requirements by State – New Jersey

Merlin Law Group attorney Etienne Font lives in Tennessee and Jeff Carter still works and has significant family relationships in Nashville. We were talking about tornado destruction, which has such little warning and is one of the most terrifying weather events for those in the path. Now, the cleanup and insurance recovery begins. Continue Reading Tennessee Tornado Terror and The Insurance Claim Aftermath

California has statutory and case law that defines replacement cost and actual cash value, and these laws are read into every insurance policy notwithstanding what the policy language says. This blog has several posts on the subject,1 and this post aims to give you one cohesive post to consult for all your questions on calculating ACV and RCV. Continue Reading Calculating RCV and ACV for Structures and Personal Property in California in 2019