What Are Unfair Claims Settlement Practices in NC & VA? Unfair claims settlement practices are specific insurer behaviors — like lowballing, unreasonable delays, or misrepresenting your policy — that both North Carolina (N.C.G.S. § 58-63-15) and Virginia (Va. Code § 38.2-510) prohibit by law. If your carrier commits these acts on a property claim, you […]
Does Home Insurance Cover a Broken Pipe Under Your Concrete Slab? Understanding Slab Leak Insurance in NC and VA Slab leak insurance coverage under most North Carolina and Virginia home policies works like this: the insurer typically will not pay to repair the broken pipe itself, but a standard policy often does cover the resulting […]
Why Was My Vandalism Claim Denied for Vacancy? A vacancy clause vandalism claim is typically denied because most homeowners policies exclude vandalism and malicious mischief losses when the home has been “vacant” for more than 60 consecutive days before the damage. But the denial only holds up if your property actually meets the policy’s own […]
Why Was This Business Owner’s Fire Claim Denied — and Why Did He Win? His fire claim was denied because his insurers accused him of arson and then refused to pay when he wouldn’t sit for an examination under oath while criminal charges were pending. He won because the California Supreme Court ruled the insurer’s […]
What Is a Bad Faith Insurance Claim in North Carolina? A bad faith insurance claim in North Carolina arises when an insurer doesn’t just underpay or deny a claim, but refuses to honor a valid claim through aggravated conduct — such as dishonesty, deliberate delay, or refusing to pay without any reasonable basis. It goes […]