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Life insurance payouts and slayer statutes add to family’s burden p3

Thu Jun 5th, 2014 on     Insurance Claims,    

We are discussing a court decision about life insurance policy payouts under unusual circumstances. Generally, the insurance company pays the beneficiary as soon as it learns of the insured’s death. If the company cannot locate the beneficiary, it retains the payout for a set period of time before turning it over to the state. Florida has been instrumental in holding life insurance companies’ feet to the fire, so to speak, to make sure they actively search for the beneficiary.

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.

When your insurance company doesn’t fulfill its obligations

Fri May 9th, 2014 on     Long-Term Disability,    

Most Americans are aware of the importance of homeowner’s insurance, health insurance, car insurance, and life insurance, but when it comes to disability insurance there seems to be a bit more of a disconnect. There are a variety of reasons for this, but the bottom line is that not enough Americans have the coverage they need if they end up becoming disabled.

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