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 »
Insurance companies exert their power and influence in the property damage claim process through lobbying efforts to ensure local and state laws work in their favor. The passing of SB-76 in Florida is just one recent example. Carriers spent millions of dollars convincing lawmakers to pass bills that will ultimately cost property owners more and
Carrier Influence On State Laws Can Lower Claim Payout Read More »
David Miller is the owner of Miller Public Adjusters in Wisconsin and a National Board Advisor for the American Adjuster Association. Proposed Senate Bill 434 (SB 434) limits the discretion and autonomy of a municipality to issue a raze order for an insured dwelling that has damage caused by a covered peril under the insurance
SB 434 Seeks To Eliminate the Issuance of Raze Orders In WI Read More »
It was a busy legislative session this year in Louisiana and for policyholders across the state still trying to recover from hurricanes that hit in 2020. Over ten insurance reform bills were introduced, and among those that passed are HB591 (referred to as ACT 345) and HB457 (referred to as ACT 402). These new laws
Louisiana Passes 2021 Insurance Reform Bills To Help Policyholders Read More »
The American Adjuster Association (AAA) was very active in Illinois this year, lobbying to protect policyholder rights and bring cost balancing to the claim process. The General Assembly ended its Spring 2021 session on June 16, and below is a recap of AAA’s overall impact on the 2021 IL Legislative Session. AAA’s primary focus included
It’s no secret Illinois policyholders have a hard time pursuing bad faith claims against insurance carriers. Due to state courts not recognizing bad faith as an independent tort, claims hinge on if the insured can prove the carrier’s actions were “vexatious and unreasonable.” Bad faith cases are almost always statutory in nature, meaning without prior
How HB 0142 Will Help Illinois Policyholders With Property Damage Claims Read More »
A statistic that made headlines in early April in regards to Florida’s insurance crisis may be incorrect in the context it was applied, according to one expert. The report that concluded “Florida homeowners file 76% of property insurance lawsuits in the U.S.” was done by the Florida Office of Insurance Regulation and sent to legislatures
FL Lawmakers Are Being Misled On Insurance Crisis Read More »
Several updates made to HB 305 could create additional loopholes that incentivize carriers to underpay valid property damage claims. This bill was originally introduced to curb litigation which proponents say a primary cause for the premium increases across the state. Related: FL Lawmakers Are Being Misled On Insurance Crisis One way legislatures are using HB
FL Insurance Carriers Can Underpay Claims By 20% Without Penalty Read More »
Two FL insurance bills, HB305 and SB76, were introduced in January of this year to indirectly lower homeowners insurance premiums. Three months later, both bills have made their way through the FL Senate and several last-minute additions have been added. If passed, the changes proposed in HB305 and SB76 would go into effect on July
