Tag Archives: Claims Handling

Claim Handling Requirements by State – Alaska

Hurricane Season will soon come to its end and our attention will shift to other potential risks from nature. For many policyholders in our northern states, heavy snowstorms could be the next threat. That’s why I dedicate this blog to Alaska, known for its heavy snows or blizzards, and for earthquakes, tsunamis, forest fires, avalanches, … Continue Reading

Insurance Company Adjuster Training Scripts and Role Paying

Insurance companies spend time training their insurance adjusters. Training is a very important. It sets the tone and culture of how the claims department functions. Training can be ethical and professional as discussed by Ken Brownlee in Insurance Companies Must Perform in Good Faith Regardless of Their Customer’s Imperfect Actions. It can also lead into … Continue Reading

Wyoming Denied or Delayed Property Damage Claims

Property insurance is purchased to help protect an insured with the consequences of a natural disaster or serious storm. Far too often we hear from confused policyholders when their insurance carrier attempts to delay payment of a valid covered claim or unreasonably delays the payment of covered benefits. Fortunately, Wyoming provides several legal avenues to … Continue Reading

Prompt Notice of Hail Damage—What is It? Why Do Insurers Fetch Their Lawyers to Claim Non-Compliance? Should Insurers Expect Their Insureds To Dangerously Climb Roofs When OSHA Regulations Prevent Their Own Adjusters From Doing the Same?

One of the most offensive examples of insurance company claims managers losing their ethical way is when they demand that their insureds risk life and limb to immediately investigate their roofs after a hail storm. Most insurance policies require “prompt notice” of loss. But, does the insurance company ever warn its customers they must risk … Continue Reading

Bad Faith Claim Investigation May Subject Insurance Company to Private Remedies Under Consumer Protection Law

Last month, a New York Supreme Court affirmed that insurance companies are subject to that state’s consumer protection law, General Business Law § 349. In 37 West 24th Street, LLC v. Seneca Insurance Company, Inc., the trial court denied Seneca Insurance Company’s motion to dismiss the plaintiff’s claim under that statute.1… Continue Reading

Claim Handling Requirements by State – Nevada

The State of Nevada is known as the “Silver State” for its large silver mine industries, but it is also popular for the casinos in its largest city, Las Vegas. For property policyholders in Nevada it is important to know that the state provides statutes that protect and guide insureds during the claim handling process.… Continue Reading

Claim Handling Requirements by State – New Hampshire

On our journey through the states, we now explore the “Granite State,” New Hampshire. One of the original thirteen colonies and known for its state motto, “Live Free or Die,” you should also know that New Hampshire has a complaint handling procedure applicable to insurance companies. Regulations for insurance company business can be found under … Continue Reading

Claims Handling Requirements by State – Colorado

Up next in the state-by-state claims handling tour is the Centennial State – Colorado. Colorado property owners have been devastated by massive hail storms over the last several years so it is very important that policyholders and their representatives are aware of the claim handling requirements of the state. Colorado’s claim handling is governed by … Continue Reading

Nationwide Insurance Adjuster Mistakes Flowers for Pot—Nationwide Insurance Policyholders Wrongfully Arrested

Nationwide Insurance Company claims managers may need to add botany and common-sense training to their claims education program. A Nationwide claims specialist sent photos of hibiscus plants to police indicating that Nationwide policyholders with a fallen tree loss were growing marijuana. The Nationwide policyholders look straight out of central casting as the “perfect aging couple” … Continue Reading

Is the Insurance Company Adjusting Your Claim Fairly in Puerto Rico?

Too many in Puerto Rico are still dealing with the catastrophic effects of Hurricane Maria. Today the focus is on getting basic supplies like drinking water to nearly half the population. An insurance claim is likely not a priority at this moment for those owning homes or businesses in Puerto Rico. However, insurance companies must … Continue Reading

Insurance Dispute Stemming from Denial of Coverage for Stolen Baseball Card Collection Highlights Bad Faith Claims Handling

The Arizona Court of Appeals recently overturned a trial court’s dismissal of an insured’s bad faith case stemming from a disagreement with an insurance company over coverage for a stolen baseball card collection.1 As a kid who grew up collecting baseball cards, I took particular interest in this case.… Continue Reading

Is SIMSOL Better Than Xactimate?

I walk around at conventions and conferences trying to learn and pick up ideas I can use. At the first celebration of FAPIA’s 25th Anniversary two weeks ago, I stopped at the SIMSOL vendor booth. I asked a rather simple question: Why do you guys think you are better than Xactimate?… Continue Reading
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