Matching of damaged parts of a building is nothing new. This “Give Me Your Walls” episode from the classic Dick Van Dyke Show demonstrates a typical concern most property owners have about the aesthetics of matching property:

Some insurance companies are now selling “swiss cheese” and “cheap” insurance because they specifically say they will

The litigation trickle regarding coronavirus coverage issues is turning into a flood as lawsuits seem to be filed every day and in many different jurisdictions. United Policyholders has established a COCID-19 Loss Recovery Advisory Team which included a stellar panel of insurance attorneys including Merlin Law Group attorney Ed Eshoo:

COVID-19 Loss Recovery Advisory Team
John Buchanan, Covington & Burling (DC)
John Ellison, Reed Smith (PA)
Edward Eshoo, Merlin Law Group (IL)
Peter Kochenburger, UConn School of Law (CT)
Lorelie S. Masters, Hunton Andrews Kurth (DC)
Jason Mazer, Cimo Mazer Mark (FL)
Sherilyn Pastor, McCarter & English, (NJ)
Holly Soffer, Kellis Soffer, Counsel to the American Association of Public Insurance Adjusters (PA)
Continue Reading United Policyholders in the Lead Regarding Education of COVID-19 Loss Recovery and For Policyholders

Shane Smith wrote about a big policyholder win against Allstate in this weekend’s post, Another Court Ruling on Improper Depreciation of Labor. Today, the same Court of Appeals ruled the same way against State Farm.1
Continue Reading Hot Off the Insurance Law Coverage Press—DO NOT DEPRECIATE LABOR TO ARRIVE AT ACTUAL CASH VALUE!

The comments, posts, and articles about whether property insurance coverage benefits will exist are all over the place on the internet. An example of two opposing views come from Georgia’s Insurance Commissioner versus the advice from United Policyholders.
Continue Reading Coronavirus Insurance Coverage Update—United Policyholders Says Do Not Give Up While Georgia Insurance Commissioner Suggests Do Not Waste Your Time

Additional living expenses can create a number of questions about what items of expanse can be claimed following a loss. FC&S is a publication I encourage those in the claims business to subscribe. While reading the Question and Answer section of the FC&S Coverage Insider, the following additional living expense coverage question was posed:

Our insured has an ISO HO 3 policy, 1991 edition, and recently suffered a fire loss. Coverage for her home and contents is not at issue; however, she has had to relocate to a motel until restoration of her home is complete. Prior to the loss, she stored some of her personal property in half of her two-car garage. Because of the fire, she can no longer use this space until repairs have been completed.

The insurance company is questioning two items under additional living expense—the cost to rent a storage space, and the cost to dry clean the clothing she took with her.

We think this is additional living expense, and should be covered. What is your opinion?


Continue Reading Storage Space and Dry Cleaning—Can These Be Considered Additional Living Expenses Under A Homeowners Policy?

United Policyholders takes action and gets things done for policyholders regarding the insurance gap issue. United Policyholders is tackling the insurance gap coverage problem by providing staff and resources to collect rogue property insurance policy forms being issued by insurance companies, to show examples of how insurers are stepping over each other to silently gain a competitive advantage of lower price with cheap insurance.
Continue Reading Crazy New Policy Language? Report It To United Policyholders!

The First Party Claims Conference in Providence, Rhode Island was very much a success. I was late to the event and missed hearing a presentation where a sponsor said that meeting with legislators and insurance regulators is a waste of time. Ironically, I was late because I was in Tallahassee testifying as an invited panelist to represent the policyholder’s viewpoint before the Florida Senate Banking and Insurance Committee. Obviously, I could not disagree more with this sponsor and I believe their viewpoint is simply wrong and dangerous. The one person and organization that has been taking action, getting pro-policyholder laws passed, and stopping bad proposed legislation with more success than anybody is Amy Bach of United Policyholders.
Continue Reading United Policyholders Has a Seat at the Table With Insurance Leaders and Takes Action to Stop the Insurance Protection Gap

Last night at the Thousand Points of Light banquet Garth Brooks stated, “If you do not have love in your life, you have to look at yourself about why” I became involved with this organization following Superstorm Sandy and still remain an active supporter because the basic philosophy is so fundamental to whom we should strive to be.
Continue Reading Can You Help Just One of The Thousand Points of Light? Why We Should Help United Policyholders