News & Resources

Category: Insurance Claims

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It’s just that simple: Insurer denies claim on procedural grounds

Sat May 24th, 2014 on     Insurance Claims,    

An interesting and sad case crossed our desk this week. It concerns a case from outside of Florida that turned on an insurance rule that applies wherever you are: If you abide by the terms of the policy, the insurance company will consider your claim. Otherwise, the insurance company can deny the claim, and every court from the Atlantic Coast to the Pacific Coast will find the denial reasonable.

So when you say ‘explosion,’ what exactly does that mean? p3

Sat May 17th, 2014 on     Insurance Claims,    

Insurance is a picky business. Insurers write policies that look generous but are, in fact, fairly narrow. For example, an insurer or agent may use the term “all peril” when referring to a homeowners policy. The average person would understand that to mean all perils: hail, famine, war, lightning, a terrorist attack and so forth. Any damage to your home caused by anything under the sun will be covered.

So when you say ‘explosion,’ what exactly does that mean? p2

Tue May 13th, 2014 on     Insurance Claims,    

An insurance company has prevailed in an unusual dispute with a Florida condominium owner. The woman filed a claim with State Farm Florida Insurance Co. after an unpleasant incident in the unit above hers. Her upstairs neighbor died, and the body was not discovered for a couple of weeks. By that time, the body had decomposed to the point that the abdomen had ruptured, allowing bodily fluids to escape.

All in a day’s work: Struck iceberg, sank, yadda yadda yadda

Sat Apr 19th, 2014 on     Insurance Claims,    

The insurance claim form for the Titanic is going up for auction in the next week or so. It’s an interesting document, and not just for insurance types. The four pages completed by Second Officer Charles Lightoller offer a surprisingly clinical description of the disaster. Lightoller may have had a reason for his ho-hum tone, or he may have simply had a “Just the facts, ma’am” moment.

All in a day’s work: Titanic’s insurance claim form up for sale

Thu Apr 17th, 2014 on     Insurance Claims,    

This week marks the 102nd anniversary of the sinking of the Titanic. We wrote about some of the insurance issues a couple of years ago, when the disaster’s centennial prompted so much coverage. (See our April 2012, archive.) An auction house in England announced recently that it will be selling the original insurance claim form for Titanic at auction later in April. They expect to get about $20,000 for it.

Note to Citizens: If you deny our claims, we will sue p2

Tue Apr 8th, 2014 on     Insurance Claims,    

We are still talking about litigation costs at Citizens Property Insurance Corp. The state-run insurance company is paying more than $2 million every month to defend itself in policyholder lawsuits, according to research conducted by a state legislator. The lawsuits are over claim denials, and critics are wondering why Citizens is choosing to litigate when paying the claims could cost less.

Note to Citizens: If you deny our claims, we will sue

Sat Apr 5th, 2014 on     Insurance Claims,    

Depopulation is the wave of the present at Florida’s Citizens Property Insurance Corp. Earlier this year, the state’s insurer of last resort announced that it had shed enough policies to bring the total number of policyholders below the 1 million mark. Citizens hasn’t seen numbers like this since 2006, according to Insurance Journal.

Slower rate of growth good news for commercial policyholders

Thu Mar 13th, 2014 on     Insurance Claims,    

We usually talk about consumers’ issues with insurance companies. Flood insurance, homeowner insurance, auto insurance and life insurance — these are topics that focus on Florida residents and their families. In this post, though, we have something for businesses: the fourth-quarter results of Towers Watson’s Commercial Lines Insurance Pricing Survey.

Chinese drywall hits the fan in ruling against manufacturer p2

Tue Mar 4th, 2014 on     Insurance Claims,    

We are continuing our discussion of the Fifth U.S. Circuit Court of Appeals decision in a class action case against one of the manufacturers of Chinese drywall. The court has ordered that the company pay damages to the homeowners who were the named plaintiffs in the class action. The plaintiffs are not from Florida, but the decision clears the way for Florida homeowners to pursue the manufacturer for damages as well.

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