Many homeowners have lost their homes or been financially crippled, not because of an obvious exclusion in their HO policies, but because of three words in a definition referenced from an insuring agreement. If you write homeowners insurance, right now I guarantee you have insureds who may have no coverage on their homes.
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What is “illusory coverage” and when is it a valid grounds for seeking the overturning of a claim denial? If there is no coverage under that policy, could there be a basis for a claim against the entity that sold the policy to the insured? Let’s see what the courts say and what you think….
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Probably less than half of all agents have experienced a hard market like the one we find ourselves in today. In this FREE webcast. you’ll learn how to survive, even thrive, in a hard market. While there’s bad news to report, you might be surprised to learn that there could be twice as much good news for good agents and savvy risk managers and policyholders.
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How do you know if a form is pure ISO or not? How do you know how good or bad a form is for your customer? This article addresses one example and references additional articles so you can dig as deep as you like on the subject. Your E&O carrier will appreciate it.
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The insured sold her $29,000 ring…or so she thought. When she attempted to deposit the cashiers check, she learned that it was forged and the forger was long gone. When she reported the claim to her insurer, it was denied. The adjuster said this was voluntary parting, not theft.
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What happened to that Wilson insurance nerd guy, what has he been up to for the past 6 months, and when will he return to blogging here on his web site?
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Would you like access to almost 400 free articles you can reprint for free? Here’s how to get a Word document with a list of articles, including word counts, categorized as personal lines, commercial lines, both, or neither.
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According to news accounts, auto repairs may sometimes take months due to the limited supply of chips and circuit boards. Unfortunately, the amount of coverage for loss of use is fairly limited in most auto policies. However, the exposure may be even greater when a rental car is damaged.
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BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.
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