Chip Merlin – June 21, 2013 Contents claims adjusting is a hard and tedious job. Few insurance companies conduct a prompt investigation and evaluation of contents losses even though they may be evaluating the real property damage. It is probably the most ripe and overlooked arena for unfair claims practice conduct by insurance companies on… Continue reading Contents Claim Adjusting Is Tedious, Time Consuming and Few Insurance Carriers Do It Right
Tag: Insurance Claims
Robert Hunter, Amy Bach, and Robin Westcott Call For Claim File Transparency
Chip Merlin – June 27, 2013 Every insurance company says it conducts itself honestly and fairly when handling a customer’s insurance claim. But how do you know it really is acting honestly and fairly? In California, policyholders with losses have a right to see their claims file. Amy Bach is significantly responsible for this California… Continue reading Robert Hunter, Amy Bach, and Robin Westcott Call For Claim File Transparency
Open Perils and Named Perils Coverage–What is the Difference?
Chip Merlin – June 19, 2013 Les Knox and I had an interesting discussion regarding all risk insurance and named perils coverage while debating a loss on the Jersey Shore. Les referred to the policy as an “open perils” policy, and I referred to it as an “all risk” policy. The personal property coverage was written… Continue reading Open Perils and Named Perils Coverage–What is the Difference?
Adjustment of Claims is 100 Percent Policyholder Service–Is The Insurance Industry Providing This Service?
Chip Merlin – June 18, 2013 Property claims adjusters are supposed to promptly evaluate damage, investigate coverage, and provide full benefits to policyholders. Adjustment is about giving the customer the service promised and paid for when the policy was purchased. This service is not paid with “indemnity dollars,” but with insurance company claims expense dollars,… Continue reading Adjustment of Claims is 100 Percent Policyholder Service–Is The Insurance Industry Providing This Service?
New Case Affirms Broad Duty to Defend in Construction Defect Case Where Damage Dates Unclear
John Green – June 12, 2013 A new case from Oregon deals with a recurring problem in construction defect litigation—the absence of clear dates in the complaint regarding when damage is alleged to have occurred. Frequently, a plaintiff will allege that defects in a construction project have caused property damage to other elements of the… Continue reading New Case Affirms Broad Duty to Defend in Construction Defect Case Where Damage Dates Unclear