Loss payees are supposed to be included on payments of claims checks. Depending on the language of the loss payable clause, that might be the only right a loss payee has.
Continue Reading What Are the Rights of a Simple Loss Payee?
Steve Mullins With Louisiana, Mississippi, and Alabama Ties Joins Merlin Law Group
Anybody who joined me for our Hurricane Ida webinar yesterday could tell that Steve Mullins is an aggressive and experienced property insurance advocate. Steve was born in New Orleans and is the eldest son of Louisiana parents. Steve grew up in Baton Rouge, Louisiana, and along the Mississippi Gulf Coast in Ocean Springs. He is a proud graduate of Ocean Springs High School, where he was active in football, student government, and all sorts of fun that is available when you live along the Mississippi Gulf Coast. I know about those fun things because I lived in Waveland, Mississippi, for three of my best formative years.
Continue Reading Steve Mullins With Louisiana, Mississippi, and Alabama Ties Joins Merlin Law Group
Understanding Alabama Insurance Claims Payments — No “Final” Payments
Following large-scale disasters like Hurricane Sally or Zeta, you will find that some insurance companies will make initial low-ball settlement offers and hope the policyholder takes the payment and doesn’t dispute the claim evaluation.
Continue Reading Understanding Alabama Insurance Claims Payments — No “Final” Payments
Understanding Your Alabama Insurance Policy – Determining How Much Is Owed
For the third part in this series on Alabama law, I want to focus on the scope of repairs and how actual cash value is determined. Alabama’s Administrative Code provides guidance for policyholders on how property insurance claims should be calculated.
Continue Reading Understanding Your Alabama Insurance Policy – Determining How Much Is Owed
Delayed Insurance Claim Payment in Alabama? Insurance Companies Must Timely Respond To Alabama Policyholders
In Part 1 of this series, I addressed general requirements for the insurance carrier’s adjustment of claims. Here, I want to focus on communications between the policyholder and the insurance carrier.
Continue Reading Delayed Insurance Claim Payment in Alabama? Insurance Companies Must Timely Respond To Alabama Policyholders
Understanding Alabama Insurance Claims Standards—Is the Insurance Company Following Alabama Code?
Is your hurricane claim being adjusted promptly, fairly, and equitably? I’ve heard many stories of policyholders that have still not seen an adjuster following Hurricane Sally, and Hurricane Zeta just brought more winds and rain to already damaged properties. It’s important to know the requirements Alabama insurance companies have for the adjustment of your hurricane claim.
Continue Reading Understanding Alabama Insurance Claims Standards—Is the Insurance Company Following Alabama Code?
Adjusting and The Unauthorized Practice of Law—Thoughts About What Public Adjusters Can Do in Alabama
Americans hate to be told that we cannot do something. I think it is just in our DNA. Since the time we are little, we are taught to “never let somebody tell you that you cannot…..” Name the dream you want to accomplish because, in America, you can do it.
Continue Reading Adjusting and The Unauthorized Practice of Law—Thoughts About What Public Adjusters Can Do in Alabama
Stop the Presses and Mark the Time—Chip Merlin, The Wizard of Something, May Be Wrong!!!
Brian Goodman is the very able General Counsel for the National Association of Public Insurance Adjusters. He also worked tirelessly to get public adjusting licensed in Alabama. He has properly corrected me that public adjusting is not “illegal” in Alabama. Mark the time, I am making a correction to this morning’s blog.
Continue Reading Stop the Presses and Mark the Time—Chip Merlin, The Wizard of Something, May Be Wrong!!!
Public Adjusting Is Illegal in Alabama
Merlin Law Group attorney Jason Cieri received a call from a public adjuster inquiring whether Alabama licenses public adjusting and if it is illegal to represent policyholders in Alabama. The answer is that public adjusting is not licensed in Alabama and doing what most public adjusters do could be considered the unauthorized practice of law.
Continue Reading Public Adjusting Is Illegal in Alabama
Alabama Allows Abnormal Bad Faith—Is Auto-Owners Calling Its Customers’ Fraud Bad Faith?
Bad faith cases really should be named “lack of good faith” cases because the duty is on the insurance company to act in the utmost of good faith and fair dealing with the policyholder. “Bad” has nothing to do with it. Alabama, however, carries the “bad faith” definition one step further by delineating a cause of action for “abnormal bad faith.”
Continue Reading Alabama Allows Abnormal Bad Faith—Is Auto-Owners Calling Its Customers’ Fraud Bad Faith?