Ha iniciado la nueva temporada de Huracanes 2019, y son muchos los preparativos que debemos llevar acabo ante la posible amenaza de un huracán. Es imperativo que los asegurados entiendan la cobertura y los derechos bajo su Póliza de Seguros. En primer lugar, cada asegurado debe solicitar una copia de su póliza de seguros y confirmar que las coberturas sean las correctas según su propiedad o interés en asegurar. Además, el asegurado debe entender cuáles son las exclusiones bajo su póliza de seguros si sufre daños a causa de un huracán, en otras palabras, lo que no está cubierto bajo su póliza.
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Derek Chaiken

Derek Chaiken is in the Merlin Law Group Los Angeles office. He is a Los Angeles Dodger fan and a student of drone usage during the property insurance claim process. Drones are no longer science fiction, but a fairly common part of modern property insurance claims adjustment. With stronger cameras and other advanced technical measuring devises, drone usage is an efficient tool all property insurance adjusters should use during the adjustment process.
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The California Fair Claims Settlement Practices Act outlines specific insurer conduct prohibited and considered unfair to insureds. Identifying prohibited insurer conduct and effectively communicating to a carrier it committed prohibited acts will lead to better claim results.
Continue Reading What Insurer Conduct Is Prohibited and Considered Unfair Under California Law? A Quick Guide to Holding an Insurer Accountable

The California Fair Claims Settlement Practices Act imposes multiple deadlines to respond and report to insureds during a claim adjustment. Knowing and understanding an insurer’s reporting duties and deadlines can speed up the adjustment and payment of a claim. Although a failure to meet a deadline by a day or two may not, in and of itself, constitute bad faith, failing to respond to an insured or repeated failure to meet deadlines is evidence of an insurer’s poor conduct and may be evidence of bad faith.
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Colorado Insurance Commissioner Michael Conway

Appointed by Governor John Hickenlooper, Michael Conway serves as Colorado’s Insurance Commissioner where he is tasked with regulating and monitoring insurance companies and insurance agents in Colorado. With the mission of Consumer Protection, Michael Conway and the Colorado Division of Insurance have streamlined a simple process for insurance consumers to file complaints against insurance companies that are mistreating, slow paying, or not paying their insurance claims.
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The Georgia Office of Insurance and Fire Safety Commissioner has a simple online process for filing your complaint.

How the office responds to this Complaint may not be satisfying but it is important that a record is made of the insurance claims that are not properly handled.
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If you are a Vermont property owner, have suffered a property loss, and believe that you have been wronged by a delaying, denying and bad treating insurance company, you have the right to file a complaint with the insurance commissioner.
Continue Reading How To File A Complaint With The Vermont Department of Insurance About Your Delaying, Denying and Bad Treating Insurance Company

The mission of the Connecticut Insurance Department is consumer protection. The Department carries out its mission by enforcing state insurance laws to ensure policyholders are treated fairly, by providing assistance, outreach, and education to help consumers make sound choices, and by regulating the industry in a fair and consistent manner that fosters market competition for availability of insurance.
Continue Reading How to File a Complaint with the Connecticut Division Of Insurance About Your Delaying, Denying and Bad Treating Insurance Company

The Arkansas state motto is “Regnat Populus” which means “The People Rule.” With the state motto in mind, Arkansas policyholders can seek assistance with their insurance claims through the Arkansas Department of Insurance at www.insurance.arkansas.gov.

When a policyholder has been mistreated by having their claim delayed, denied or handled in bad faith,

The Massachusetts Consumer Service Department responds to inquiries and assists consumers in resolving insurance complaints against insurers, producers and other licensees. Consumer Services also advises consumers of their options and rights under their policies, state laws and regulations. They maintain a database which has an inventory of all written complaints and inquiries received from the public.
Continue Reading How To File A Complaint With The Commonwealth Of Massachusetts, Division Of Insurance About Your Delaying, Denying And Bad Treating Insurance Company