September 22, 2011

The first six months of 2011 were a tough time to be a homeowner: wildfires in Arizona, New Mexico, and Texas; damaging snow in the Midwest; floods in the Midwest and Plains; and tornadoes, hail, wind, or lightning almost everywhere east of the Rockies.

September 16, 2011

Listen to the Radio Broadcast

Ben Lawsky, Superintendent of the Department of Financial Services joins us.

Homeowners affected by recent floods are eligible for free legal consultation through the New York State Bar Association. Volunteer attorneys are available to answer questions about insurance,...

September 16, 2011

A few days ago I wrote about how to challenge the first offer your insurance company makes in respect to a claim you have filed. In that column, I stressed the importance of carefully reviewing the adjusters report and using the documentation you gathered to make your case for a larger claim settlement.

But if you have a very large insurance claim or there is a significant difference...

September 13, 2011

A new survey shows that nearly two-thirds [2] of victims of last year’s Fourmile Canyon wildfire were underinsured by more than $200,000.

The survey, conducted by United Policyholders [3], included responses from 51 residents who said their home was destroyed and seven who said their property was damaged. Overall, the fire destroyed 169 structures. Many victims are still dealing with...

September 13, 2011

Walk around Crestmoor, the San Bruno neighborhood where a Pacific Gas and Electric Co. natural gas pipe blew up one year ago today, and one thing is clear through the coastal mist and construction dust: What took minutes to ruin will take years to restore.

September 6, 2011

Almost one year after the Fourmile Canyon wildfire devastated mountain communities in Boulder County, only 64 percent of victims surveyed have settled their insurance claim, and for many the settlement will not be enough to rebuild their home.

Other key findings from respondents include:

• 64 percent reported being underinsured on their dwelling by an average of...

September 6, 2011

For some victims of the Fourmile Fire that ravaged the hills of western Boulder County the week of Sept. 6, 2010, this has been the “year of the phoenix.”

Others are still waiting to rise from the ashes.

September 6, 2011

One year ago this Labor Day Weekend, an errant spark from an unattended fire pit in Four Mile Canyon west of Boulder quickly became the most destructive wildfire in Colorado history burning 169 homes and damaging scores more. It was an emotional and stressful time for thousands of people directly impacted by the Four Mile Canyon fire, for many, one year later, it still is.

De...

September 6, 2011

Tactful assertiveness.

It's what Andi O'Conor, who lost her house of 20 years to the Fourmile Fire, said it takes to make a successful insurance claim on losses from Colorado's most costly wildfire.

"You have to remember that they are working for you and you've paid all this money and you should get what you're covered for," she said.

August 31, 2011

As the water recedes from Hurricane Irene, lawyers are expecting disputes over insurance coverage to pour in.

The biggest fights will stem from arguments over property damage and whether it resulted from wind or water, legal experts said. Similar questions arose in the aftermath of Hurricane Katrina six years ago.

Disputes over the extent of coverage and the reimbursement amounts...