February 7, 2017

If your property has been damaged due to a heavy rain and high winds, it can be tricky to collect insurance benefits to pay for repairs.  

Home and renters policies exclude some but not all types of water damage.  "Flood" damage (the policy should define what the insurer considers a "flood") and earth movement are excluded.  Water damage from sewers and drains that back up may or may not be covered, depending on the wording in the specific home/renters policy.  If wind or falling trees cause damage to pipes or contribute to water getting into a dwelling, there...

Read More
February 6, 2017

As the painful process of recovery begins for those whose homes have been damaged or destroyed in recent tornadoes or winter storms in Alabama, Georgia, Florida, Texas, Louisiana, or Mississippi, the focus will be on photographing and removing debris, inventorying losses, negotiating insurance payments and grieving.  

In the months ahead, impacted residents will have to plow through paperwork and make important financial decisions.  The word most commonly used to describe people's mind set after a natural disaster is "overwhelmed."  While insurance payments can't...

Read More
February 2, 2017

Representing policyholders in litigation involving surplus lines/"non-admitted" insurance companies:

 
"Surplus lines" (also known as "non-admitted") insurers are a form of company set up in part to avoid the full spectrum of regulations, solvency and other oversight requirements that apply to "admitted" companies. Surplus lines companies often will accept risks/insure customers that traditional (admitted) companies don't want, but they...
Read More
January 23, 2017

United Policyholders Praises California Supreme Court Decision That Will Help Underinsured Wildfire Victims

 

Insurance Companies now held to higher standard for setting homeowners policy limits;

Court finds Insurance Commissioner has authority to regulate replacement cost estimates

 

SAN FRANCISCO, CA – January 23, 2017 – United Policyholders (UP), a nonprofit insurance consumer organization, today praised a California Supreme Court decision that will...

Read More
December 21, 2016

Before Congress passed the Affordable Care Act (ACA, also known as "PPACA") and President Obama signed it into law, Americans with pre-existing medical conditions were struggling mightily to find and pay for essential health insurance.  The ACA solved that problem for a large number of people but has encountered strong opposition and partisan politics that tried to defeat it at every turn. Six years of hard work have gone into implementing and defending the law.  Now the incoming administration is poised to dismantle it.  ...

Read More