Why You Should Never Take a Flood Claim Engineering Report at Face Value A flood claim engineering report should never be accepted at face value because, as the Raimey v. Wright National Flood Insurance case revealed, a carrier-hired engineering firm rewrote a field engineer’s findings to support denying a valid claim. If an engineer’s report […]
Your home suffers a fire or large water damage claim. Other times a severe storm blows through the Triangle, the roof starts leaking. Next, the insurer’s first check shows up looking neat on paper and useless in real life. It won’t cover the contractor’s deposit, the code items, or the hidden damage that sits behind […]
Public Adjuster vs Attorney: What’s the Difference? The public adjuster vs attorney decision comes down to what your claim actually needs: a public adjuster is a licensed, bonded professional who documents your property damage and negotiates the claim’s value with your insurer, while an attorney handles legal disputes — like bad faith conduct, breach of […]
Who Pays When Wind vs Flood Damage Collide in a Hurricane? In a wind vs flood damage dispute, your homeowners insurance pays for wind damage while a separate flood policy — usually through the National Flood Insurance Program (NFIP) — pays for flood damage. Under the Corban v. USAA ruling, wind damage that happens before […]
Why Gray v. NCIUA Still Matters for Insurance Bad Faith NC Claims The most important insurance bad faith NC decision for homeowners is Gray v. North Carolina Insurance Underwriting Association, in which the North Carolina Supreme Court confirmed that an insurer who unfairly low-balls a homeowner’s claim can be held liable under the state’s Unfair […]