On May 24, 2019, The Oklahoma Insurance Department issued Amended Bulletin No. 2019-Exec-01, protecting victims of severe weather in Oklahoma.… Continue Reading
Many Policyholders in Puerto Rico are concerned about the notifications of non-renewal or cancellations they received after Hurricane Maria claims. This is a matter that affects both residential and commercial Policyholders. The process of obtaining insurance coverage from a different insurance company can be even more difficult when repairs related to a prior claim have … Continue Reading
After Hurricane Michael, on October 15, 2018, Florida Insurance Commissioner David Altmaier issued an Emergency Order No. 234790-18-EO, that affected insurers writing insurance in the following counties affected by Hurricane Michael: Bay, Calhoun, Franklin, Gadsden, Gulf, Hamilton, Holmes, Jackson, Jefferson, Leon, Liberty, Madison, Suwannee, Taylor, Wakulla, and Washington Counties.… Continue Reading
The Texas Department of Insurance (“TDI”) has issued a number of bulletins specific to Hurricane Harvey. These bulletins do no create new law, but provide TDI’s interpretation of the law, and lay out the expectations TDI has for carriers.… Continue Reading
In August, I wrote a blog post about an insurer who had violated section 143.17a(a) of the Illinois Insurance Code by failing to provide adequate notice of their intention to non-renew a policy. As a result of its failure to timely provide notice of the intent to non-renew, the insurer was required to renew the … Continue Reading
All too often following a loss, insureds are a faced with another shock when they open their mail and find a notification that the insurance company is not renewing their policy at the end of their existing policy term. Recently my colleague Edward Eshoo and I represented a policyholder facing this very situation. The insured … Continue Reading
One of the biggest complaints I hear from homeowners after suffering a property insurance loss emerges out of the insurer’s “cancellation” or failure to renew the policy after the loss occurs. After suffering a loss, the thought of trying to get new insurance while the loss has not been completely resolved is a devastating and … Continue Reading
Late last June, a stream of lava flow from the Kilauea volcano began to flow on Hawaii’s Big Island. By late October, the lava was threatening to destroy homes. Now residents of the Big Island are fighting back and asking for the State of Hawaii’s help because their homeowners insurance coverage has been canceled. The … Continue Reading
Several weeks ago, California Governor Jerry Brown signed a consumer protection bill (Assembly Bill No. 1804) that will allow more policyholders to designate a back-up contact to receive notices from their insurance companies when adverse actions are taken due to nonpayment of premiums.… Continue Reading
All too often, policyholders contact us when their residential or commercial carriers send a notice that they will no longer provide insurance coverage. It is critically important that all insureds understand the major difference between an insurance company canceling a current policy and a notice of non-renewal. Every policyholder should carefully study any written notifications … Continue Reading
Last week I blogged about how rain-induced mudslides are of concern to homeowners who live in wildfire burn areas. For those who live in high risk fire areas, another concern is the possibility that the policy insuring the property will not be renewed by the insurance company. In California, there are no laws that prohibit … Continue Reading
