Category: Homeowners

Hail Damage Dilemma

Some insurers are apparently introducing homeowners policy provisions requiring the reporting of hail damage claims within 6 months of their occurrence, even though the damage may not be discovered for a year or more after the hail storm. One insurer limits lawsuits by policyholders on the same basis? Is this legal? Is it reasonable?

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Unintended Consequences: What the Surfside Condo Collapse Means to Agents and Underwriters, Plus Some Lessons Learned

The condo collapse in Surfside, Florida raises a number of insurance coverage issues. However, little has been said about how this tragedy is likely going to change what agents and underwriters are expected to do with regard to verifying condo coverages. This became apparent when I recently received the following email….

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Time to Make Government Action Exclusions More Equitable?

If your car is stolen and not recovered for months or longer, your auto policy likely pays for the ACV of your vehicle. However, if the thief commits a crime and your auto is confiscated for the months or longer required to try the case, your loss is excluded. Property policies have similar “government action” exclusions. Is it time for a change?

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What is a “Vermin”?

Mice, roaches, snakes, turtles, bats, pigeons, raccoons, skunks, carpet beetles, squirrels. What do these critters have in common? They have all been cited as “vermin” in claim denials. In this article, we’ll look at these varmints, examining a number of court cases, in an effort to determine what’s a “vermin.”

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