If you have not been to the Jersey Shore in the summer, you have missed out. My mother grew up in Philadelphia and always talked about going to the New Jersey beaches in the summertime. Following Superstorm Sandy in 2012, I lived and worked in New Jersey and greater New York City.
Continue Reading Catching Up On Summer 2022 Along The Jersey Shore, Ohio Limitations on Punitive Damages In Bad Faith Cases and Colorado Appraisals

Insurance companies do not advertise how they deny customer claims or treat their customers when a dispute arises. Who wants to purchase insurance knowing that their insurance company treats them like the enemy? I am sure that State Farm hated to read about Discrimination Concerns at State Farm. Church Mutual probably does not like to brag about beating one of their Church customers in court, as I mentioned in Actual Cash Value Estimates Need To Be Made In Florida—How A Church Lost To Church Mutual.
Continue Reading Insurance Claims Ethics, Fairness, and Where the Rubber Meets the Road—Are All Insurance Companies Claims Culture the Same Throughout the United States?

State Farm Insurance Company is 100 years old. It is the largest property and casualty insurance and largest automobile insurance provider in the United States. State Farm has a huge presence in the insurance marketplace. A recent New York Times article, Where State Farm Sees ‘a Lot of Fraud,’ Black Customers See Discrimination-The giant insurer is facing lawsuits from customers, agents and former employees accusing it of racial discrimination,1 caught my attention. The article stated in part:
Continue Reading Discrimination Concerns at State Farm

The law firm that defended Scottsdale Insurance Company in the bad faith verdict I wrote about in Hurricane Laura Bad Faith Verdict Against Scottsdale Insurance, has a blog that noted the rules for payment of replacement cost value and actual cash value. This seemed to be a major theme throughout the lawsuit since Scottsdale claimed it was properly paying actual cash value payments in a timely manner.
Continue Reading Louisiana Insurance Company Law Firm Posts About Replacement Cost Value and Actual Cash Value

The Colorado Division of Insurance has regulators that are standing up for consumers to encourage full and prompt payment of losses. The Division issued a comprehensive news release yesterday which delves into the problems policyholders are facing following wildfires that have destroyed many homes and businesses over the past two years. Many recurrent problems complained of by our Colorado wildfire clients are addressed in the news release which we are copying in full as part of this post:
Continue Reading Colorado Wildfire Claims Problems? Colorado Division of Insurance Is Congratulated for Getting to the Most Commons Wildfire Claims Concerns

Colorado, like most states, has imposed regulatory guidelines that govern insurance company claims handling procedures. Many of those regulations and statutes provide potential penalties that may be imposed when the adjustment process implemented by an insurer fails to comply with the standards enumerated. Title 3 of the Code of Colorado Regulations § 702-5-1-14 is a good example of the methods aimed at deterring such conduct. Due to the recent wildfires in Colorado leading to delayed payments and improper claims handling by numerous insurers, these regulations and the recourse they offer insureds are worth emphasizing.
Continue Reading Failure to Make Timely Decisions/Payments in Colorado will Lead to Penalties for Insurers Pursuant to Title 3 Colo. Code Regs. § 702-5-1-14