Law

Ohio Court Compels Production of Information on Other Insureds’ Similar Claims | SLG

Recently, I spent a few weeks reviewing court decisions which analyzed discovery requests geared toward obtaining documents and information regarding an insured’s prior claims and an insurer’s handling of other insureds’ similar claims. I came across another decision by a County Court in Ohio and found the Court’s evaluation interesting. Although Owens-Corning Fiberglas Corporation v. …

Ohio Court Compels Production of Information on Other Insureds’ Similar Claims | SLG Read More »

Predictions and Questions Regarding Insurance as a Result of Elections in Texas and Florida | SLG

The recent election results clearly showed that people were upset with those running government—especially those in the Democratic camp. Yesterday’s post, Texas Voters Favor Homeowners Insurance Reform, by Sergio Leal, clearly indicates that people are afraid of not having full and prompt benefits paid after they have a loss. Two major points struck a cord: …

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A Public Adjuster Wins a Seat in the Florida House of Representatives | SLG

Insurance lobbyists are going to be called out by one new member of the Florida House of Representatives. Frank Artilles won his campaign despite the insurance industry making an all-out effort to defeat a Republican candidate. It is difficult enough to win an election. It is nearly a miracle when the insurance industry uses its muscle …

A Public Adjuster Wins a Seat in the Florida House of Representatives | SLG Read More »

Eligibility Requirements for Florida Surplus Lines Insurance Carriers | SLG

Surplus lines insurance is intended to provide coverage that cannot be easily procured in the conventional insurance marketplace. Traditional insurance companies must file their premium rates and policy forms with state regulatory agencies. The rates and forms must be approved prior to any insurance policies being offered for sale to consumers within the state. Generally …

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“My Phones are Down” – A Coverage Disagreement – Understanding Business Interruption Claims, Part 45 | SLG

I ran across an article in the National Underwriter publication, FC&S Bulletin, regarding a situation where the insured experienced a “slow down” in its debt collection operations after a lightning strike. The problem was discussed as follows: Q I insure a bill-collection agency on a business owners policy, form BP 00 02. The agency’s automatic …

“My Phones are Down” – A Coverage Disagreement – Understanding Business Interruption Claims, Part 45 | SLG Read More »

Frightful Tales of Appraisal and Suggestions from the Umpires | SLG

Many policies provide a route to the potential resolution of a claim via the appraisal process. Recently, I spoke with Umpires who handle appraisal cases for residential and commercial losses, and I learned more about what can go wrong during the process and suggestions on ways to prevent the common missteps that can delay or …

Frightful Tales of Appraisal and Suggestions from the Umpires | SLG Read More »

Insurer Is Not Absolved of Its Duty to Fairly Adjust Claim Just Because the Claim is a “Fairly Debatable Loss” | SLG

When filing a bad faith lawsuit against a carrier, there are many defenses that a policyholder’s attorney can expect the insurer to assert. Those defenses that are asserted by insurers are assumedly those which are specific to the allegations asserted in the Complaint. Those defenses, however, do not affect the obligations of the insurer to …

Insurer Is Not Absolved of Its Duty to Fairly Adjust Claim Just Because the Claim is a “Fairly Debatable Loss” | SLG Read More »

Requests for Itemized and Line By Line Appraisal Awards Become More Common | SLG

Texas and Florida insurance companies wanting to preserve coverage disagreements and dispute appraisal awards have one thing in common–requests for itemized appraisal awards. Insurance policies have no provision for such itemizations. In construction practice, nobody accepts or places bids with the lowest line by line bid. Only the bottom line counts. Even in jury trials, the itemization …

Requests for Itemized and Line By Line Appraisal Awards Become More Common | SLG Read More »

The Windstorm Conference: A Claims and Insurance Law Conference That Cannot Be Missed | SLG

Insurance defense attorney Janet Brown founded a valuable organization and conference for the windstorm insurance industry where ideas and lessons are shared every year. The 12th Annual Windstorm Insurance Conference will be held in Houston on January 24-27, 2011. For claims adjusters and those involved with hurricane or tornado losses, this is a “can’t miss” event. …

The Windstorm Conference: A Claims and Insurance Law Conference That Cannot Be Missed | SLG Read More »