If you have a dispute with your insurance company, you may have heard your lawyer or public adjuster mention that your insurance policy is a "contract of adhesion." Why is this important? A contract …
Insurance policy
Insurance Bill of Rights – A List of the Rights Most Ignored?
When you receive your homeowners policy, there may be a page called the Residential Property Insurance Bill of Rights.* With a title like "bill of rights" you would expect the document to clearly …
Coinsurance for Property – The Consumer’s Perspective
If you are confused by coinsurance, you are not alone. People are often convinced that purchasing a policy with coinsurance is a great idea because it is cheaper - only to discover when they make a …
Tips For Filing Your Insurance Claim
http://www.youtube.com/watch?v=IuT1Npricrs Attorney Kathleen Defever reveals lesser-known (but crucial) practical tips to help you file an insurance claim likely to be APPROVED. The content …
My Insurer Did Not Pay and I Want to Sue Them – How Much Time do I Have?
The answer to this question depends on 1) Which laws are applicable to your policy, 2) Where you are, and 3) What your policy says. 1) Which Laws Apply? First, you need to know if your policy is …
The “Reservation of Rights”: Quite Possibly the Dirtiest Trick in Your Insurer’s Book
I've been asked by my clients many times, "What is this 'Reservation of Rights' my insurer keeps referring to?"Tricky TerminologyA Reservation of Rights is a fancy way for your insurer to say they can …
I Lost My Insurance Policy – What Do I Do?
Before I am able to help my clients with their legal questions, I always ask for a copy of their insurance policy. Sometimes they send me bits and pieces (riders, letters, summaries, or the initial …
Tips to Get your Insurance Claim Approved: Part One
By Kathleen Defever Tip One: Think like the insurance company. To get your insurance claim approved, the most important thing you can do is think like the insurance company. If you understand how and …