Every insurance company has a duty to deal fairly with their insured and to give as much consideration to the interest of the insured as it gives to the insurance… CONTINUE

Prohibited acts by insurance companies can include asserting an exclusion that doesn’t apply, or blatantly denying a claim, even though there is overwhelming evidence showing that they should have accepted… CONTINUE

Q: What is the appeal process if my claim is wrongfully denied? When an insurance company denies your claim wrongfully, the appeal process depends on the language of the policy…. CONTINUE

Insurance companies will sometimes try to deny a claim arguing that the damage was an “Act of God.” In the insurance industry, an “Act of God” is an unforeseen, naturally… CONTINUE

Q: What are typical exclusions that you find in homeowner policies? An “exclusion” is a type of loss that a homeowner may suffer that is specifically not covered by the… CONTINUE

What kinds of information might an insurance company request in the course of an investigation into a claim? The insurance company has no incentive economically to stop requesting additional information…. CONTINUE

In Nevada, there are insurance regulations on how to process claims. One of the regulations says that the insurer must establish procedures to begin investigating the claim within 20 working… CONTINUE

Q: Is it possible to negotiate exclusions or inclusions in an insurance policy? Unfortunately, a homeowner’s insurance policy is for the most part a take-it-or-leave-it situation. You go to your… CONTINUE

Yes. Most companies sell different types of insurance. Many insurance companies get their insurance policy forms (the language of the policy) from the Insurance Services Organization (ISO). Under the ISO… CONTINUE

Homeowner’s insurance covers most catastrophic losses at someone’s home. Commercial property insurance policies cover losses on the premises of a business. Both are similar in that they provide coverage for… CONTINUE