Insurance Disputes
When Do You Really Need an Attorney for Your Insurance Claim Dispute?
The whole point of homeowners’ insurance is to protect you in the event of damage to your home. Whether there was a fire, or a flood, or wind damage, etc. – you call your agent, he or she helps you make a claim, and then you get paid out so you can fix your home.…
Read MoreMaking a Claim of Bad Faith against Your Insurer in Tennessee
When you purchase an insurance policy – homeowners, auto, commercial, etc. – you do so assuming that your insurance company will act in good faith and honor the claims you make, provided that claim is covered by the policies you have bought. When an insurer deliberately denies a claim for unjust reasons, you may be…
Read MoreLearning Lessons from Zenefits
In 2013, a small company called Zenefits opened offices in New York and California. Over the past three years, it spread throughout the country. Zenefits, according to its own website, “integrates all of [a company’s] HR functions into an easy-to-use online dashboard;” in layman’s terms, the company sells cloud-based software that helps small to medium…
Read MoreBurning Down the House: Arson and Homeowners’ Insurance in Tennessee
In our piece about homeowners’ policy exclusions, we listed “intentional acts” as one of the more common exclusions. Arson – the deliberate act of setting fire to a property – will normally fall under “intentional acts.” Insurance policies almost always cover fire, but there’s a huge difference between a grease fire in the kitchen and…
Read MoreAre You Covered for That Commercial Building You Just Purchased?
Commercial property is, by and large, pretty expensive. For many small business owners, buying a piece of property that hasn’t budged on the market for a while can look like a good bargain, since you are more likely to negotiate a better selling price. All of that is well and good, until a pipe springs…
Read MoreMandatory Arbitration? Time to Check Your Policy
There is a dangerous new issue in the insurance world regarding arbitration clauses. Though most insurance policies usually do not have forced arbitration clauses, recent news from Texas makes it apparent that at least some carriers are trying to go that route. As Tennessee is one of the many states with no statutes in place…
Read MoreWhat Good is Health Insurance if the Hospitals Don’t Bill It for Your Procedures?
We all grumble a little bit about paying our insurance premiums, until we get hurt or sick – and then those premiums don’t seem so bad. HealthCare.gov tells us that the average cost of a 3 day stay in a hospital is about $30,000, or $10,000 a day. So when you are seriously injured or…
Read MoreHas Insurance Agent Negligence Led to the Denial of Your Claim?
When we talk about agent negligence, we’re not talking about your agent stealing your premiums or selling you a fake insurance policy. As popular as that trope might be on television or in film, outright theft is pretty rare (which is why stories about it go viral so quickly online; it happens so infrequently that…
Read MoreShouldn’t You Already Have That on File? Why Cooperation May be the Key to Your Policy
The worst has happened; there’s been a fire in your home, or a windstorm damaged the roof and walls, or some other horrific thing has occurred and rendered your house unlivable. So you put your claim in to the insurance company, who turns around and asks for a tremendous amount of paperwork – paperwork that…
Read MoreWhat Happens When the Bed Bugs Bite?
Recently, we wrote a quick synopsis on all-risk policies vs. named perils policies. In that post, we covered some of the more common types of exclusions most Tennessee homeowners have in their named-perils policies. One we have not yet talked about is infestation. Just as brakes and tires are rarely covered under a warrantee, the…
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