Capstone Insights
Hundreds of anguished Californians who lost their homes in an outbreak of wildfires this week now get to face another burden: dealing with insurers Continue reading →
The House of Representatives voted 264-155 today to pass bipartisan legislation that encourages the sale of private flood insurance in place of policies from the federal government in high risk areas where flood insurance is required. Continue reading →
Homeowners Insurance and properly insuring the homes contents is a hot topic lately, I wanted to revisit this topic with the current disasters our countries is facing both in Florida and in Texas. It is so important to know the contents of your home and have a detailed list of items to insure with your homeowners policy as well as in the event of a natural disaster where either total home loss occurs or partial. Having a list of valuable items can guide you in the claims process and help get your claim accepted in a timely manner. Continue reading →
Catastrophe can arrive at your doorstep in any number of ways: A century-old tree could hit the roof, faulty wiring could spark a fire or a storm like Hurricane Harvey could unleash its fury and yours could be one of countless homes in its path. Continue reading →
With the recent natural disaster, Hurricane Harvey, and the amount of heavy rainfall and flooding, many are left to wonder if they will be covered by flood insurance for the damage caused to their homes on the Gulf Coast. Majority of homeowner’s insurance policies, however, DO NOT cover damage caused by flooding. Flood insurance was a very difficult coverage to get before the National Flood Insurance Program, NFIP, was enacted in 1963. Specific communities can participate in the NFIP as a separate policy for your home. Continue reading →
Farmers Insurance is asking a court to block a California review of its auto insurance rates from 2008 on.
Farmers’ rates are being challenged by consumers in a separate case. In a lawsuit against the California Department of Insurance, the company argued in a lawsuit that the department’s plan to review its rates is “unlawful under applicable law and current facts.” Continue reading →
With so many eyes on claims files, it’s no wonder documentation is a touchy subject for adjusters. Claims files are reviewed by auditors, supervisors, bad faith attorneys and others passing judgment often months or years after the fact, according to Kevin Quinley, founder and principal of Quinley Risk Associates. Continue reading →
The state Supreme Court on Thursday issued two rulings bolstering homeowners associations’ ability to sell houses through foreclosure. Nevada’s highest court unanimously ruled that a 2014 decision upholding HOAs’ ability to foreclose ahead of mortgage lenders can be retroactively applied to foreclosures that took place before that ruling. Continue reading →
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