A recent court filing by the Oklahoma Attorney General’s Office (“OAG”) has exposed what may be a deeply troubling trend in how home-insurance companies handle hail and wind damage claims. On December 4, 2025, the OAG, led by Gentner Drummond, filed a motion to intervene in a legal case against State Farm Fire and Casualty […]
California lawmakers are considering Assembly Bill 597 (AB 597), a measure that could dramatically change how public adjusters operate in the state. While the bill is framed as a consumer protection effort, many in the industry argue it could unintentionally make it harder for policyholders to access fair representation—especially after catastrophic disasters like wildfires or
California’s AB 597: What Policyholders and Public Adjusters Need to Know Read More »
In an era of surging technological innovation, insurance companies are increasingly turning skyward. Drones, satellites, and other aerial platforms offer insurers a high-altitude vantage to scrutinize your roof, your property, and even your tree limbs—often without your knowledge. While useful in certain contexts, this shift outpaces the safeguards protecting homeowners. That’s why Massachusetts House Bill
In August 2025, Florida’s Fifth District Court of Appeal (5th DCA) issued a ruling in Blumberg v. SFIC that could reshape the landscape of property insurance litigation in the state. The court held that the repeal of statutory attorney fees in property insurance cases cannot be applied retroactively. This ruling preserves policyholder rights under insurance
Florida Appeals Court Rules Attorney Fee Repeal Cannot Be Applied Retroactively Read More »
In April 2025, the Maryland Insurance Administration (MIA) released Proposed Bulletin 25-XX, a draft directive that would significantly change how property insurance claims are handled in the state. The bulletin makes clear that labor costs cannot be depreciated when insurers calculate actual cash value (ACV) payments. If finalized, this change will provide important consumer protections,
Maryland Insurance Administration Moves to Ban Depreciation of Labor Costs Read More »
As North Carolina continues to rebuild from the devastation caused by Hurricane Helene, Insurance Commissioner Mike Causey issued a critical memorandum yesterday, reminding insurance companies of their obligation to handle claims fairly, promptly, and transparently. The memo comes as frustrations mount among storm victims, many of whom are grappling with delays, denials, and underpayment of
HB 1310, also known as the “Protect My Home” law, has been introduced in Georgia. If passed, this bill will amend Chapter 32 of Title 33 of the Official Code of Georgia Annotated to ensure fair claim payment to policyholders. With 16 sponsors, this bill has the potential to transform the property damage claim process
HB 1310 Will Require Accurate Claim Settlements To Georgia Policyholders Read More »
When a property damage insurance claim is wrongfully denied or underpaid, the costs associated with getting a fair payment often fall on the policyholder. This includes, but is not limited to, the use of Public Adjusters, appraisers, and other subject matter experts that must prove the insurance company made an error in judgment. The burden
SB22-094 Would Allow Reimbursement For Expenses On Underpaid Claims Read More »
Policyholders with a metal roof need to pay careful attention to policy details – especially the SafeCo cosmetic damage exclusion related to hail damage. Hail storms have not just increased in frequency over the past decade but size as well. As a result, states like Colorado can expect several massive hail events each year, a
Case Study: SafeCo Cosmetic Damage Exclusion Costs Homeowner $25k Read More »
As the threat of massive hail storms increases, so does the amount of cosmetic damage exclusions in insurance policies. Exclusions are one way insurance carriers limit coverage and reduce claim payout. Cosmetic damage exclusions usually apply to metal roofs but also siding, windows, and other exterior components. If the insurance carrier determines the damage is
Don’t Get Fooled By Cosmetic Damage Exclusions Read More »
