(Note: This guest blog is by Kathryn Ray, a Summer Law Clerk in our Tampa office)

When sustaining property or casualty damage and after filing a claim with an insurance company, the insurance company may then request a proof of loss. A proof of loss is defined as “a policyholder’s statement of the amount of money being requested, signed to and sworn to by the policyholder with documentation to support the amount being requested.”1 In New York, if an insurance company gives the insured a written notice, after a loss, requesting a proof of loss the insured shall then have 60 days after receiving this notice to comply with the insurance company’s request.2 This compliance period to provide the insurance company with a proof of loss may also be longer than 60 days if the insurer specifies so in their written notice.3 Continue Reading Misrepresentations and Proofs of Loss in New York

One of the things I enjoy is learning from so many really brilliant people in the insurance coverage business. One of those I am fortunate enough to work with: Ed Eshoo, out of our Chicago office. The other is insurance educator Bill Wilson who writes an extraordinary blog. Continue Reading Is There a 180-Day Replacement Cost Notice Rule in the Standard ISO Policy?

Colorado passed very pro-consumer legislation stopping insurance companies from overusing the cooperation clause in property insurance policies.1 Denver based Merlin Law Group attorney Jon Bukowski explained that some insurance defense counsel have aggressively used the cooperation clause in property insurance policies as a sword in an attempt to obtain a forfeiture of insurance policy benefits. Continue Reading Forfeiture of Benefits For Failure To Cooperate Stopped Under New Colorado Law

Forfeiture is not often discussed when interpreting insurance policy terms. But it should be. Often, when a policyholder fails to do something timely or does something wrong, the insurance company counsel is heard in court arguing for a knockout punch to the policyholders pocket—“give the policyholder no money.” Continue Reading Forfeiture of Insurance Contract Benefits Is Not Favored in The Law

Friday At 2 With Chip Merlin is a 15 minute brief summary of the biggest property insurance topics of the week and answering questions about property insurance claims and law. There are three primary topics to discuss and you can ask more questions if I have time to answer. Continue Reading Friday At 2 With Chip Merlin —Are Insurance Companies Using Surrogates To Adjust Claims?

Steve Badger and Steve Patrick are really great at what they do—and both publicly do a lot in the field of properly insurance claims handling. Both have been outspoken about insurance fraud. In my recent post, Want A Hail Damage Claim Tip Which Helps Policyholder Recovery? Do Not Miss Friday At 2 With Chip Today, I noted the following:

‘Badger Traps’ will also be a topic with a big shout out to Steve Patrick for his upcoming seminar. The above photo is of Steve Badger and me. Yes, Steve Patrick has a warning about the smiling man next to me and what you have to be careful of when dealing with insurance companies about Overhead and Profit issues with contractors. Patrick’s seminar is gratis to American Policyholder Association members.

Continue Reading Badger Traps and How Contractors Can Avoid Being Accused of Insurance Fraud

Drew Houghton will join me tomorrow afternoon for Tuesday at 2 With Chip Merlin regarding the Practical Considerations When Evaluating Hail Loss Claims. Drew Houghton heads up our Oklahoma City Office and was a big part of our move to new offices in Oklahoma City last year, as I noted in Grand Opening of Merlin Law Group’s Oklahoma City Office. Continue Reading Practical Considerations When Investigating Hail Loss Claims to Be Discussed at Tuesday At 2 With Chip Merlin

Friday at 2 is a quick recap of a few timely items of interest to the property insurance claims industry. It is a 15-minute summary by me of some of the recent important property insurance claims industry topics, and allows for some quick answers to questions posed to me earlier from the Tuesday At 2 With Chip, which is longer and more in depth on just one topic per week. Continue Reading Want A Hail Damage Claim Tip Which Helps Policyholder Recovery? Do Not Miss Friday At 2 With Chip Today

The end is near! It truly is when it comes to Hurricane Irma insurance claims. The three-year notice to submit all claims is coming due very shortly. In a little more than a month, the deadline will pass. So, why not have a top-notch seminar to learn all about what to do and not to do regarding Hurricane Irma claims and earn four continuing education requirements at the same time? Continue Reading Hurricane Irma Insurance Claims Virtual Seminar on August 10—The Deadline to Submit Hurricane Irma Claims Draws Near