This blog follows on the previous post, Insurance Bad Faith South Carolina: Part 3.

South Carolina allows “Bad Faith” lawsuits involving first party insurance claims. “Bad faith” claims handling is really a misnomer. Lawsuits involving insurance companies paying late and not enough money should be called Lack Of Good Faith lawsuits. “Bad faith” only heightens the standard and seems to imply an immoral or fraudulent standard:

In law, there are inconsistent definitions of bad faith, with one definition much more broad than used in other fields of study discussed in the above sections. Black’s Law Dictionary equates fraud with bad faith. But one goes to jail for fraud, and not necessarily for bad faith. The Duhaime online law dictionary similarly defines bad faith broadly as ‘intent to deceive’, and ‘a person who intentionally tries to deceive or mislead another in order to gain some advantage’.1
Continue Reading Insurance Bad Faith in South Carolina: Part 4 – Beware the Statute of Limitations

This blog follows up the previous post, Insurance Bad Faith in South Carolina: Part 2.

As explained in Part 2, there are several types of damages available to an insured for a first-party property insurance bad faith claim in South Carolina. Part 2 covered the availability of attorney’s fees in bad faith actions. This blog will cover other damages available, namely consequential and punitive damages.
Continue Reading Insurance Bad Faith in South Carolina: Part 3

South Carolina Director of Insurance Ray Farmer

“The Department of Insurance was created to protect the insurance consumers, public interest, and insurance marketplace by ensuring the solvency of insurers, enforcing and implementing the insurance laws of the state, and regulating the insurance industry in an efficient, courteous, responsive, fair, and equitable manner.”
—The South Carolina Department of Insurance Mission Statement
Continue Reading How to File A Complaint With The South Carolina Department of Insurance About Your Delaying, Denying, and Bad Treating Insurance Company

Prior to becoming an attorney, Shane played collegiate golf at Notre Dame and also competed professionally on a developmental tour for the LPGA

In addition to the beautiful beaches, one of the things for which Myrtle Beach, South Carolina, is well-known is its golf courses. Because there is a year-round temperate climate, and Myrtle Beach has courses designed by world-famous architects, including Arnold Palmer, Jack Nicklaus, Robert Trent Jones, and Greg Norman, it is many golfers’ favorite golf destination. North Carolina is also known for many championship golf courses, several of which were designed by well-known golf course architect Donald Ross.
Continue Reading Repairing Hurricane Florence Flood Damage to Golf Courses

Florence battered the Carolina Coast with 90mph winds when it made landfall near Wilmington, North Carolina on September 14, 2018. Florence downgraded to a tropical storm Friday evening and is now crawling across South Carolina at a drastically slow rate of approximately 5mph. The Carolinas are now facing the devastating effects of catastrophic storm surge, flash flooding, and prolonged river flooding. Some parts of North Carolina are already inundated with over thirty inches of rain.
Continue Reading Hurricane Florence – What Does My Flood Insurance Policy Cover?

Historically September is one of the most active months during hurricane season. Policyholders should be prepared and informed before, during and after a hurricane. As I write this blog, many in South Carolina are experiencing the force of Hurricane Florence and while for some, the hurricane will end the next day, for others the following morning will be the beginning of a long process of recovery, from claiming damages to their insurance company to work on all repairs needed on their residential or commercial properties.
Continue Reading Claim Handling Requirements by State – South Carolina

Hurricane Florence insurance claims are the headache that starts after Florence damages your business or home. There is nothing easy about having your property destroyed—either emotionally or financially. It is going to hurt. I and a number of Merlin Law Group lawyers have been doing this work full time for as long as anybody in the business. We have seen the emotional toll from hurricanes and the insurance claim process. We have seen the financial stress caused when dealing with insurance company payments that are not fast enough and simply not enough. We are here to help policyholders get over this hurt and frustration.
Continue Reading Your Hurricane Florence Insurance Claim: Tips From an Experienced Policyholder Lawyer For Business and Homeowner Insurance Hurricane Claims