October 3, 2011
The frustrations of area residents who lost their homes last year in the Fourmile Fire could lead to changes in the way the state regulates insurance companies and how insurance agents work with clients. The Fourmile Fire, which started Sept. 6, 2010, burned more than 6,000 acres and destroyed 149 homes. The Rocky Mountain Insurance Information Association estimates the damage cost $217 million,...

October 3, 2011
It's been an interesting year as fellow Americans on the East Coast have faced more than their fair share of natural disasters. And the most shocking revelation was the false assumption that earthquakes are exclusive to the West Coast. But this summer's earthquake centered in Virginia provided a forceful reminder that more than 75 million Americans in 39 states live near active earthquake faults...

September 29, 2011
Karen Reimus slowly pilots an SUV through her Scripps Ranch neighborhood of large Tuscan-looking homes with red tile roofs and meticulously tended lawns. As kids play and adults stroll the streets greeting each other by name, she points out the homes that vaporized eight years ago after the Cedar Fire leapt through the subdivision, leveling more than 300 homes. "That one burned, that one burned,...
As posted at: American-Statesman

September 29, 2011
Karen Reimus slowly pilots an SUV through her Scripps Ranch neighborhood of large Tuscan-looking homes with red tile roofs and meticulously tended lawns. As kids play and adults stroll the streets greeting each other by name, she points out the homes that vaporized eight years ago after the Cedar Fire leapt through the subdivision, leveling more than 300 homes. "That one burned, that one burned,...
As posted at:

September 29, 2011
If you're a Pennsylvania resident with Allstate Property & Casualty homeowners insurance, you may face an unpleasant surprise this fall: a sizable boost in your insurance premium. You can just suck it up - as Allstate undoubtedly expects most policyholders to do - or you can use it as a goad to do something you may find nearly as unpleasant: shop around for alternatives. It shouldn't...

September 22, 2011
If you've opted for a high deductible, it won't pay to make a claim for small losses. If a loss is only moderately greater than your deductible, you should also consider not filing a claim, because it could prompt a premium hike or flag you as a customer worth dropping—especially if you make several small claims over a relatively short period. Homeowners insurance is for losses in the thousands,...

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. Thank goodness for homeowners insurance, right? Well, yes, provided your coverage was adequate. "After every disaster we've worked, we've found...

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, property disputes, landlord-tenant matters and general legal matters, such as replacing a missing...

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 between what...

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 insurance...