One of the first questions I’m often asked by a client is, “What is the statute of limitations in XYZ state?” The Property Insurance Coverage Law Blog has not addressed the statute of limitations in North Carolina, and below is a quick cheat sheet for North Carolina policyholders and their representatives.… Continue Reading
In a recent decision,1 a federal court interpreting Pennsylvania law held that the discovery rule does not apply in insurance actions and the statute of limitations for an insured to bring suit against their insurance company begins to run on the date of loss and not the date the insured becomes aware of the loss.… Continue Reading
Not sure when to sue your insurer? Property insurance policies typically contain a contractual suit limitation provision that sets the time within which policyholders may file suit on the claim. Some states allow the insurer to require in the policy that the policyholder file suit in as little as one year from the date of … Continue Reading
Excess insurance policies are often written to follow form, but then an excess carrier may issue a policy that does not follow the bid upon form. Insurance agents and excess lines brokers can certainly do a much better job at the point of sale by reading the policies they sell and broker so the insurance … Continue Reading
While the timeframe to file a legal action is generally defined under the Statute of Limitations, in some states an insurance policy can contractually establish a shorter period to file a legal action. In a recent California case, Keller v. Federal Insurance Company,1 the Ninth Circuit upheld a Legal Action Against Us clause, finding the … Continue Reading
The statute of limitations period applicable to a breach of contract cause of action in New York is ordinarily six years. However, parties to a contract may agree, in writing, that any lawsuit must be commenced within a shorter period of time. Moreover, while the statute of limitations on a breach of insurance contract generally … Continue Reading
Colorado policyholders should be mindful to review their insurance policies for time limit considerations that may bar them from pursuing insurance benefits beyond two years after the May 8, 2017, hailstorm. While Colorado requires that any action against an insurance company for failure to pay covered benefits must be brought within three years of the … Continue Reading
The recent opinion of Oswald v. Southern Central Ins. Co., No. A18-0507, 2018 WL 6729771 (Minn. App. Dec. 24 2018) is a good reminder to attorneys and public adjusters alike to review a complete copy of the insurance policy and applicable laws when considering limitations issues applicable to a loss.… Continue Reading
The Illinois Supreme Court recently overturned the Court of Appeals’ decision in American Family Mut. Ins. Co. v. Krop, 82 N.E. 3d 533, 2017 IL App (1st) 161071 (Ill. App. 2017). As discussed in my post on June 14, 2017, the Illinois Appellate Court had concluded that the insured’s claim against their agent for negligent … Continue Reading
I often get asked: “Can I still file a lawsuit against my insurance company for my claim from. . . .” Like all good lawyers my answer is maybe. The reality is that the deadlines to file a lawsuit against an insurance company are controlled by the state law that applies to your claim and … Continue Reading
Most insurance policies contain a contractual provision that sets forth the time frame in which the insured must commence suit should a dispute arise concerning the policy. In many instances, these limitation provisions provide that the insured must file suit no later than one year after the date of the loss.… Continue Reading
Property insurance is purchased to help protect an insured with the consequences of a natural disaster or serious storm. Far too often we hear from confused policyholders when their insurance carrier attempts to delay payment of a valid covered claim or unreasonably delays the payment of covered benefits. Fortunately, Wyoming provides several legal avenues to … Continue Reading
Some insurance policies will contain a clause within the conditions section entitled “Conformity to State Law.” This provision contains language similar to: “Conformity to State Law. When a policy provision is in conflict with the applicable state law of the State in which this policy is issued, the law of the state will apply.”… Continue Reading
As discussed in a previous post, Colorado allows policyholders—even repair vendors such as contractors or roofers where there has been an assignment of insurance benefits—to bring a cause of action for bad faith where an insurance company unreasonably delays or denies the payment of covered insurance benefits.1… Continue Reading
Uncertainty regarding a date of loss could lead to a court’s denial of a defendant insurance company’s motion to dismiss. The court in ID Ventures, LLC v. Chubb Custom Insurance Company,1 addressed this issue.… Continue Reading
In Arizona, the statute of limitations for a cause of action for insurance benefits will begin to run from the date the insurer committed a breach, unless the policy states otherwise (i.e., from the “inception of” or “date of” loss). Typically, this means from the date the insurer denies claim benefits to its insured.1… Continue Reading
Many of you may recall that, during the Spring of 2016, many parts of Texas were hit with storms of varying severity that caused significant property damage. Some of the resulting insurance claims that arose from those storms have dragged on, including a number that simply fell by the wayside as both carriers and adjusters … Continue Reading
Although we are over 5 years past Hurricane Sandy, flood insurance coverage issues are still being litigated. I previously wrote about a decision out of the U.S. District Court of the District of New Jersey, Migliaro v. Fidelity National Indemnity Insurance Company.1… Continue Reading
On a matter of first impression, the Sixth Circuit Court of Appeals recently concluded that an insured’s claim for statutory penalty interest due on an untimely payment was not subject to the policy’s two-year limitation period. In Palmer Park Square, LLC v. Scottsdale Insurance Company,1 the Sixth Circuit reversed the district court’s conclusion and found … Continue Reading
While Colorado Revised Statute § 13-80-101(1) provides that a lawsuit based on a breach of contract must be brought within three years after the cause of action accrues, Colorado allows insurance companies to shorten this period within the insurance contract to as little as six months from the date on which the damage occurred.1 Most … Continue Reading
This blog has often discussed the importance of carefully reading your insurance policy. It is imperative to know of your rights should your insurance claim become problematic. It is crucial to know the policy’s suit limitation clause as well as your state’s statute of limitations, so you don’t miss the filing deadline. Once this period … Continue Reading
Edmund Sanderson owned a house in Plattsburgh, New York. On January 7, 2014, he discovered water and mold damage at his home. He then notified his insurance carrier, First Liberty Insurance Corporation. After several months of negotiating, Sanderson realized filing a lawsuit was the only option he had.… Continue Reading
Often an insured goes to his insurance broker or agent hoping to find the same coverage at a better rate, but often does not find out that the same coverage was not procured until after there has been a loss or claim. Whether such a request will support a cause of action is a determination … Continue Reading
Section 13-214.4 of the Illinois Code of Civil Procedure provides that “[a]ll causes of action brought by any person or entity under any statute or any legal or equitable theory against an insurance producer1 . . . concerning the sale, placement, procurement, renewal, cancellation of, or failure to procure any policy of insurance shall be … Continue Reading
