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What does it mean to bind insurance?

By Geyer Fuxa Tyler |

Binding insurance is when the insurance company becomes obligated to you, pursuant to your insurance contract. It doesn’t necessarily mean that you have executed a contract, but you have gotten a representation in some form from the insurance company that insurance is in effect.

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What is a bad faith claim?

By Geyer Fuxa Tyler |

A bad faith claim is a claim for damages that are not covered under your insurance policy. Bad faith damages arise when an insurance company has not treated its insured fairly.

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What is the insurance company typically responsible for?

By Geyer Fuxa Tyler |

An insurance company is typically responsible for conducting a thorough investigation of your claim, adjusting your claim timely and compensating you for damages sustained directly as a result of the loss. Basically what that means is the insurance company should put your home back to its pre-loss condition.

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Why do I need a lawyer at an examination under oath?

By Geyer Fuxa Tyler |

The insurance company will hire a lawyer to ask you specific questions about your loss at an examination under oath. It’s always advisable that you have an attorney there representing your interests and making sure that the insurance company’s lawyer isn’t asking you improper questions.

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Should I take pictures of everything in my home?

By Geyer Fuxa Tyler |

Pictures are a great way to document your possessions and also the condition of your home prior to a loss. It’s strongly encouraged that you document this by taking photographs before, after and even during a loss.

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What does the master condominium policy cover?

By Geyer Fuxa Tyler |

… The Master Condominium Policy covers from the drywall in each particular homeowners residence out, which includes things like the common elements. Things like stairwells, hallways, patios, porches, and roofs.

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What is a reservation of rights letter?

By Geyer Fuxa Tyler |

It’s a letter the insurance company sends out which reserves its rights to deny your claim. It’s sent out before the insurance company has made a determination as to whether your claim is covered or not.

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What may constitute fraud in the context of an insurance claim?

By Geyer Fuxa Tyler |

Fraud is an intentional misrepresentation, as opposed to a difference of opinion. For example, if you’re making a claim for some shoes that were destroyed in a fire. If you have a disagreement with the insurance company as to whether they are valued at $100 as opposed to $80, that’s a difference of opinion…. Read More »

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Why does the insurance company want to take statements from my family members and friends? What should I tell them?

By Geyer Fuxa Tyler |

Different insurance policies have different provisions as to who can be questioned in relationship to a claim. If you have any questions in your policy as to who the insurance company is entitled to take statements from, you should contact an attorney.

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Should I talk to the insurance company’s adjuster?

By Geyer Fuxa Tyler |

Yes, you should talk to the insurance company’s adjuster, and in fact most policies of insurance are going to require that you cooperate with the insurance company in their investigation of their claim. However you want to be careful about what you say and what you report back to the insurance company’s adjuster, knowing… Read More »

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