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 […]
Is Your Low Insurance Settlement Offer Too Low? Here’s How to Tell A low insurance settlement offer is one that won’t actually cover the cost of restoring your home to its pre-loss condition — and it’s more common than most homeowners realize. If your insurer’s first number doesn’t match real-world repair estimates, you have the […]
Denied for Arson When You Did Nothing Wrong? Here’s the Quick Answer to an Arson Claim Denial An arson claim denial cannot legally rest on suspicion alone — your insurance company carries the burden of proving that the fire was intentionally set and that you were connected to it. In North Carolina and Virginia, an […]
Who Can Help Me Fight My Insurance Company? If you need to fight my insurance company over a denied or underpaid claim, you have four main allies: a licensed public adjuster who works only for you, an attorney for legal disputes, your state insurance department for complaints, and an independent appraiser when the disagreement is […]