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What Your Insurance Company Might Not Want You to Realize

Allstate

Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its AdsAsk an Allstate Insurance AgentFederal District Court Weighs in on Whether Labor Can Be Depreciated in Arriving at an Actual Cash Value Loss Settlement

Articles

Hurricane Losses and the Statute of LimitationsDoes Gender Preference Help Women Get Elected As Judges

Bad Faith

Pennsylvania Bad Faith Law and Learning From Others CasesFlorida’s Bad Faith Scheme Requires a 60 Day Notice Including FactsTwo Oklahoma Juries Find State Farm Acted in Bad Faith

Business Property

Where Did the Term “Physical” Come From In Business Income Form Policies?If Your Home Office Is Now Your Work Headquarters, Will Your Homeowners Insurance Policy Cover You?Barbershop Allowed to Pursue Business Interruption Loss Caused by COVID-19 Pursuant to a Policy Provision Containing Time Element Coverage

Citizen's Property

Citizens Property Insurance Corporation is Shielded by Sovereign Immunity from Bad Faith ClaimsCitizens May Eliminate AppraisalSinkhole Coverage and Losses are Extraordinarily Complex

Citizens Mission Review Task Force

Rates are the "Elephant in the Room" with Government Sponsored Property Insurance ProgramsAn Insurance Risk Manager Gives Fantastic Advice to Policyholders Getting Ready for a Potential Hurricane ClaimState Farm Small Competitors

Class Action

Champlain Towers Collapse Class Action Settlement Is Granted Preliminary ApprovalEngineers Accused of Sham Reports in Class ActionFederal Court Certifies Question Regarding Collapse to Connecticut Supreme Court

Commercial Insurance Claims

No Business Income and Extra Expense Coverage Limit to Flood EndorsementBuilders Risk Insurance and Soft Costs ClaimsCovid Business Interruption Claims Law Review Article Is a Must Read For Students Of Insurance Policy Interpretation

Consumer Protection

Insurance Company Denials and Underpayment Drive Florida Insurance LitigationMajor Florida property insurers paid out excessive executive compensation packages, dividends for yearsFlorida Bar Acts Against Wrongful Solicitation—Claimants Should Hire Reputable Attorneys With Credentials

Court Opinion

The Difference in the Outcome of Your COVID-19 Business Interruption Suit May Depend on Which Court You File InLouisiana Appellate Court Finds Coverage For Covid Business LossesBreaking Appraisal News! Colorado Allows Causation To Be Determined In Appraisal

Federal Legislation

If Appraisal Is Governed by the Federal Arbitration Act, What Is the Process?Is It the Beginning of the End for Forced Arbitration Clauses? Let’s HopeRecovery of Attorney’s Fees in Federal Flood Cases Under the Equal Access to Justice Act?

Florida

Insurance Company Denials and Underpayment Drive Florida Insurance LitigationMajor Florida property insurers paid out excessive executive compensation packages, dividends for yearsOne Week Before Florida’s Special Insurance Session—What is Going To Happen?

Florida Insurers

Florida Senate Passes Insurance Bill That Will Make Mortgages Non-Negotiable Under Federal RegulationsHow Florida Insurers Make Millions on The SideAttorneys’ Fees and Costs for the Prevailing Insured

Home Owner's Insurance

Comparing Various Types of Homeowners Insurance FormsDenied Homeowners Insurance or Have a High Premium? This Might Be WhyWill Policyholders be refunded by State Farm?

Hurricane Ike

Reflections on the Two Year Anniversary of Superstorm SandyThe Nuts and Bolts of Louisiana Statute of Limitations on Property Insurance ClaimsTornadoes, Tornadoes, Tornadoes

Hurricane Katrina

Rigsby Sisters Win Qui Tam Appeal Regarding Fraudulent Handling of Katrina Flood ClaimsState Farm Sued for Fraud for Katrina: More Altered Engineering Reports AllegedReflections on the Two Year Anniversary of Superstorm Sandy

Hurricane Sandy

What Exactly is a “Named Windstorm?” More Views As Appellate Case ProgressesRene Sigman Appointed to Committee Determining Model Disaster Litigation Case Management OrdersFEMA Extends ICC Claim Deadline for Superstorm Sandy Policyholders

Hurricane Wilma

Surplus Lines Insurers Are Not Always "Relieved" To Be Free From Regulation Under The Florida Insurance CodeFlorida's Appellate Courts Have Been Busy With Late Notice Hurricane Wilma CasesFederal Court Ruling On Florida Statute Of Limitations

Insurance

The Science of Smoke Damaged Structures From the Marshall FireNo Depreciation of Labor In VermontWhen Filing a Property Claim After a Disaster, It Is Rarely a Bad Idea to Employ a Public Insurance Adjuster

Insurance Blogs

Arbitration Versus Appraisal—Earthquakes in Oklahoma? Practical Suggestions for Unique Claims by Policyholder Attorneys who were Insurance Adjusters on Tuesdays at 2 with Chip MerlinEstablishing Insurance Producer Negligence in ArizonaInsurance Class Actions

Insurance Claim

When Filing a Property Claim After a Disaster, It Is Rarely a Bad Idea to Employ a Public Insurance AdjusterCourt Implies That Policyholders Are Better Off With Professional Claims HelpFlorida Bar Acts Against Wrongful Solicitation—Claimants Should Hire Reputable Attorneys With Credentials

Nationwide

Nationwide Insurance Adjuster Mistakes Flowers for Pot—Nationwide Insurance Policyholders Wrongfully ArrestedNationwide's "Brand New Belongings"- Cool Commercial, But What Does It Cover?"Credibility Determinations, The Weighing Of The Evidence, And The Drawing Of Legitimate Inferences From The Facts Are Jury Functions, Not Those Of A Judge...On A Motion For Summary Judgment"

Qui Tam

State Farm Claims Whistleblowers Win in United States Supreme Court and May Get Additional Evidence of WrongdoingRigsby Sisters Win Qui Tam Appeal Regarding Fraudulent Handling of Katrina Flood ClaimsRigsby Sisters Beat State Farm Again and HAAG Qui Tam Settlement Disclosed

Regulation

Insurance Agent Leader Questions Motives of Demotech to Downgrade Florida InsurersShocking! Shocking To Believe That Any Insurance Regulator Would Rely Upon DemotechThe Revolving Door Connecting Insurance Regulators with the Supposedly Regulated Insurance Industry

Residential Insurance Claims

Arbitration Versus Appraisal—Earthquakes in Oklahoma? Practical Suggestions for Unique Claims by Policyholder Attorneys who were Insurance Adjusters on Tuesdays at 2 with Chip MerlinSinkhole Proposed Law Only Pays Policyholder 25% of Available Coverage--Lessons of How the Insurance Lobby Spins a MessageWhat to Do When You have a Possible Insurance Claim

Settlement

Heroes Arise From the Champlain Towers Condominium CollapseFIGA Ordered To Honor Settlement Agreement Reached By Underlying InsurerTake Care In Reviewing Release Documents Before Signing

State Farm

Two Oklahoma Juries Find State Farm Acted in Bad FaithPictures Explain Why There Is Coverage and State Farm Will Face Bad Faith at TrialThe Rigsby Sisters Whistleblower Case Against State Farm Comes to an End After 16 Years

State Legislation

Insurance Company Denials and Underpayment Drive Florida Insurance LitigationOne Week Before Florida’s Special Insurance Session—What is Going To Happen?California's New Responsible Managing Employees Law Explained

Texas Insurers

Upon Renewal of a Policy, Insurers Must Give Policyholders Advance Notice of “Material Changes”The Insurance Coverage Gap Worsens—Farmers Policy Changes ApprovedTexas Insurance Appraisal: Who is Grading Insurance Company Papers and the Policies They Sell?

Uncategorized

Happy Thanksgiving From Everyone at Merlin Law GroupCitizens Promises to Pay Slabbed Claims—Will Other Insurers Agree to Do the Same?Happy Labor Day from Merlin Law Group