Law

New York Times Article from 1910 Provides a Glimpse into Insurance Issues Facing the Nation 100 Years Ago | SLG

On November 24, 1910, The New York Times ran an article titled “Committee Learns Insurance Secrets”. Curiously, I wondered what insurance secrets were being shared nearly 100 years ago. As way of background, in early spring of 1910, the New York Department of Insurance was reviewing fire insurance companies because of allegations that certain insurance …

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How to Discover Information about Prior Similar Claims | SLG

When pursuing a bad faith claim against an insurance company, a policyholder’s attorney will seek information that helps establish how the insurer failed to properly handle and/or pay the claim. Last week, I wrote about How to Discover Information about Unfair Practices in Other Insureds’ Similar Claims and how that type of information can be …

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Insurance Company Declares War on Public Adjusters | Property Insurance Coverage Law Blog

Insurance Company Declares War on Public Adjusters | SLG

Could you imagine the outcry if the government forced you to waive legal rights to obtain needed services? Sawgrass Mutual is essentially doing that with its own customers—and the Office of Insurance Regulation and the new Consumer Advocate are doing nothing about it. Sawgrass Mutual is sent out the following letter to its members:   …

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Florida Businesses Denied By the Gulf Coast Claims Facility Have New Hope | SLG

When Kenneth Feinberg set up the protocol for distributing the funds to oil spill victims, he wrongly included geographic proximity as a consideration. This consideration directly conflicted with the Oil Protection Act, and many claims submitted by Florida businesses impacted by the oil spill were wrongfully denied. Thanks to Alex Sink, Charlie Crist, and Bill …

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Public Adjusting Fees During a State of Emergency in Florida | SLG

Rule 69B-220.201 of the Florida Administrative Code sets forth the ethical requirements for Florida insurance adjusters. According to subsection (3), “The work of adjusting insurance claims engages the public trust. An adjuster shall put the duty for fair and honest treatment of the claimant above the adjuster’s own interests in every instance.” Ethical constraints in …

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Keep Your Customers Tanned – Understanding Business Interruption Claims, Part 42 | SLG

Summer is officially over, but many folks around the country will glow year round with the help of some indoor rays and good Extra Expense Coverage. On the issue of tanning beds and extra expense coverage, the FC&S Bulletin published the following: Extra Expense for a Tanning Salon Q The insured owns a tanning salon. …

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Public Adjusting Profession Praised in New Orleans | SLG

WDSU.com, News Channel 6 from New Orleans, recently reported the story of one policyholder in Louisiana who was assisted by a public insurance adjuster. The article, “Public Adjuster Can Help Insured Get Payments,” relayed the story of Mr. Henry Quintanila. Three rental units he owned were badly damaged by fire. The insurance company, which was …

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How to Discover Information about Unfair Practices in Other Insureds’ Similar Claims | SLG

Information regarding an insured’s prior claims or how a carrier handled other insureds’ similar claims is discoverable. Colonial Life & Accident Ins. Co. v. The Superior Court of Los Angeles County, et al., 647 P.2d 86 (Cal. 1982). I will post on both of these types of discovery in detail over the next few weeks. …

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Florida Citizens Have a Constitutional Right of Privacy But No Expectation of it If They are Insured Citizens | SLG

  The Florida Constitution provides for a Right to Privacy. An article by Julie Patel, of the Sun Sentinel, “What Does Your Insurance Company Know About You?” begs the question whether Citizens Property Insurance Corporation is violating the Florida Constitution.  The article could have been entitled, “What Private Secrets is the Florida Government Telling About You if You Buy Insurance From It?”     The Florida …

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