While researching Nevada insurance agency law and duties, I came across a course entitled, Ethical Issues in Insurance. Two points of the course, which seem very relevant to most claims situations, involved the trust that policyholders place with agents and then the trust they place with the companies hoping they will be fully paid when a claim is presented.
Continue Reading The Insurance Industry Teaches Ethics But Does It Follow What It Teaches?

It is no secret that insurance adjusters will not hesitate to cite multiple policy provisions justifying a claim denial. I refer to this method as the “kitchen sink” approach, as it accurately describes the attempt to utilize every conceivable exclusion/condition remotely applicable in various insurance claims. It is quite common for an insured to receive a denial letter citing a laundry list of excluded causes of loss.
Continue Reading Denying Claims Based Off Conflicting Policy Provisions Violates Florida Law

I will be in Tallahassee today providing testimony regarding property insurance claims legislation. It seems that every year the Florida insurance industry makes up a crisis which calls for Florida legislators to fix. Remember how the AOB reform was promised to reduce rates and had to be passed? The legislation was passed and the insurance rates have not gone down. Why should anybody trust the insurance lobbyists? Insurance companies try to act like victims when they are making up alleged scapegoats and obscuring the reality of what they do in the claims process.
Continue Reading Zeroed Out Hurricane Claims and Cheating Claims Practices—Why Are Our Florida Politicians Ignoring These Ongoing Claims Problems and Seemingly Protecting Cheating Insurance Companies?

Have you ever read an insurance company advertisement saying that it is going to potentially treat their own customer’s insurance claim with a marring protocol or technical claims directive such as the one I published yesterday in, The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders? Of course not. Most insurance companies promise prompt, quick, easy, and fast payments with the best claims service in the industry.
Continue Reading Insurance Company Advertisements and Promises of Peace of Mind Versus the Reality of Claims Treatment

Lexington’s insurance company President & CEO is Lou Levinson. He must really have a big ego because what he allows his company to promise regarding claims practices has nothing to do with what is delivered. I invite him and his claims vice president to show up at a claims townhall meeting anywhere in the five largest states to listen to what their customers have to go through. They can invite whomever they want, and we will invite who we want.
Continue Reading Lexington Slow-Pays Claims and Ignores Policyholders

The Citizens Property Insurance claims management provided a number of reports to the Citizens Board of Governors yesterday. For readers of this blog and policyholders who want to know what Citizens thinks of its claims handling, I suggest that you read the various reports which I have attached to this post.1
Continue Reading Is Citizens Property Insurance Giving You a Hard Time with Your Insurance Claim? Here Is Why, Based on Statistics Provided by Citizens Claims Management

Below is a conversation I have all too often with insureds:

Insured: I just received a letter from the carrier that they are denying my claim.

Attorney: I am sorry to hear that. What was the basis for the denial?

Insured: The basis for the denial was _____. However, the insurance adjuster told me that this would be covered when he was at the property.

Attorney: Great. Did you document the representation in writing?

Insured: . . . . .


Continue Reading Documenting Your Claim: Preparing for Litigation During Claims Handling

There are numerous articles about why our younger and brighter people in the United States do not want to be insurance company claims adjusters. Most start like this:

The insurance industry has a lot of open positions, and it’s scrambling to fill them. It’s targeting millennials, but many simply don’t consider insurance as a potential career — or think it’s boring. A recent survey from The Hartford showed that just 4 percent of millennials interviewed were interested in insurance is a career.1
Continue Reading Why Do Property Insurance Claims Handlers Do This Line of Work? Why You Should Switch To Public Adjusting and Help People – Today on Tuesday At 2 With Chip