In addition to raising the cost of insurance premiums, insurers appear to be issuing more policies which include “right to repair” provisions. Considering the rising cost of insurance premiums, a policy with a right to repair provision or endorsement might initially seem appealing to homeowners as such policies often come with a “premium discount.” The unfortunate fact is that right to repair provisions and endorsements significantly alter policyholders’ rights under the policy. I wrote recently about how insurance carriers use this “premium discount” against policyholders in my recent post, Right to Repair: How People’s Trust Insurance Company’s Preferred Contractor Endorsement Leaves Policyholders Over a Barrel. My colleague, Anthony Orlando, has also written recently about the unfortunate and oftentimes, unforeseen, effects of right to repair provisions. In his recent post, Right to Repair: The Intersection of the Managed Repair Program and the Faulty Workmanship Exclusion, Anthony discusses how an insurer can use its own preferred contractor’s shoddy work to deny future claims.
Continue Reading Right to Repair: Florida Court Confirms Homeowners’ Right to Pursue a Breach of Contract Action After an Insurer Elects to Repair
