Make Sure to Understand Your Obligations: Not Providing Documents Could Lead to a Claim Denial. When insurance companies request examinations under oath of their insureds, they often accompany these requests with very extensive document requests. Often the documents requested seem very sensitive, confidential and burdensome. It is often the safest move to provide the documents. Obtain and Read your Policy The policy and state law will affect the extent to which insurance com

The Insurance Company May Not Want You to Know What Reserves it Set on This Claim A Texas federal court recently followed the majority rule in the Fifth Circuit and held that policyholders could discover an insurer’s reserves and that these reserves are relevant to a claim of insurance bad faith under Texas law. Insurers are required to set reserves in order to estimate claims payouts to make sure that they have enough money to pay claims. As a result, in each claim, the insu

Insurers shouldn't be given special treatment or be allowed to use appraisal to delay the claims process. The recent Texas case, Germania...

It's important to read the terms of your policy, including the appraisal clause, carefully. A recent case out of the United States...