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A Scarcity Mentality Causes Insurers to Cut Coverage and Claims
A scarcity, winner-take-all mentality causes insurers to reduce coverage, raise rates, and commit bad faith by focusing on reducing...
Inge Johnstone
2 min read
The Texas Insurance Industry Can Learn How To Reduce Claims Losses by Looking at Alabama’s Fortified Roof Program
Texas Needs to Adopt a Fortified Roof Program to Protect its Policyholders Today’s Houston Chronicle featured a very instructive piece on...
Inge Johnstone
2 min read
Recent TWIA Meeting Reveals That Texas Insureds Have Had A Tough Year
The Texas Windstorm Insurance Association Board met on November 13 to review its budget. The TWIA provides wind and hail coverage for...
Inge Johnstone
1 min read
Your Liberty National Cancer Policy May Provide Full Payment for Chemo Expenses
Liberty National Tried to Pull the Bate and Switch on Its Cancer Policyholders In the late 1970s and early 1980’s, Liberty National...
Inge Johnstone
3 min read
Is State Farm Underpaying Claims For Roof Damage Because It Thinks it Is Paying “Too Much” for Roofs?
State Farm policyholders rely on State Farm to pay what it owes under its policies…no more…no less. In addition, the amount that State...
Inge Johnstone
1 min read
Pennsylvania Case Highlights Big Concern for Policyholders regarding Cyber Liability
The Pennsylvania Supreme Court recently upheld an appeals court’s opinion finding that a commercial property policy covered a theft of an...
Inge Johnstone
2 min read
Understanding your Hurricane Insurance Deductible
It’s been a tough hurricane season for many policyholders, but especially Florida policyholders. So far, Florida policyholders have filed...
Inge Johnstone
1 min read
Filing a Homeowners or Commercial Property Claim After Hurricane Helena or Milton
In the aftermath of a powerful storm like Hurricane Helena or Hurricane Milton , it’s essential to act quickly to file insurance claims...
Inge Johnstone
2 min read
Were You Affected by Hurricane Helena or Milton? Has Your Insurance Company Denied Your Claim?
At Johnstone Trial Law, LLC , we understand the devastation that follows in the wake of powerful storms like Hurricane Helena and...
Inge Johnstone
2 min read
Fifth Circuit Rules for Construction Company Policyholder in Case Involving Commercial General Liability Policy
In TIG Insurance Co. v. Woodsboro Farmers Cooperative , the United States Court of Appeal for the Fifth Circuit, ruled in favor of the...
Inge Johnstone
2 min read
Hurricane Francine Hits Coast, Destroying Homes and Businesses, Knocking Out Power and Threatening Millions with Flooding
Hurricane Francine made landfall at Terrebonne Parish in Louisiana yesterday at around 5:00 p.m. with winds at 100 miles an hour. The...
Inge Johnstone
3 min read
An Insurance Lawyer’s Recommendations on Homeowners Coverages for Hurricanes, Hail and Tornadoes.
As an Insurance Attorney, I have represented many homeowners following large scale storm events like hurricanes, tornadoes, and...
Inge Johnstone
5 min read
Eleventh Circuit: Grammar Technicality Leaves Accounting Firm Without Insurance Protection
The Eleventh Circuit recently ruled in favor of an insurer and against a policyholder by relying on some technical rules of construction...
Inge Johnstone
4 min read
An Insurance Lawyer’s Recommendations on Homeowners Coverages for Hurricanes, Hail and Tornadoes
At Johnstone Trial Law, LLC , I have represented many homeowners following large scale storm events like hurricanes, tornadoes, and...
Inge Johnstone
5 min read
The Privilege of Representing Policyholders
I'm attorney Inge Johnstone. I am a policyholder lawyer and am proud to be one. Policyholder lawyers represent people and businesses...
Inge Johnstone
2 min read
The Eleventh Circuit Delivers More Bad News for Policyholders in a Tragic Case involving an Accidental Death Policy
The Eleventh Circuit Court of Appeals, which oversees federal appeals for Alabama, Georgia and Florida, reversed a federal district court...
Inge Johnstone
5 min read
Common Construction vs. Similar Construction: Choose the Right Replacement Cost Coverage to Get Your Home Built Back Like it Was Before Your Insurance Loss.
If your home is seriously damaged or destroyed by an event like a fire, hurricane, or tornado, you likely want it rebuilt back with at...
Inge Johnstone
2 min read
Surplus Lines Policies Leave Consumers Unprotected When Disaster Strikes
As traditional insurers like State Farm cease writing homeowners insurance policies in coastal areas and even states like California and...
Inge Johnstone
4 min read
Eleventh Circuit Relies on Quirky Interpretation to Bounce Claim for Coverage Under Commercial General Liability Policy by Trampoline Installing Landscaper
In Snell v. United Specialty Insurance Company, the Eleventh Circuit Court of Appeals held that a commercial general liability insurer...
Inge Johnstone
3 min read
Help: My Insurance Company Refuses to Participate in the Appraisal Process!
I wrote the above letter in response to a letter I received from an insurance company claiming that it would not consider appraisal under...
Inge Johnstone
3 min read
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