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State Farm Hail Claim Insurance Denial Scheme Being Investigated in Oklahoma
State Farm, headquartered in Bloomington Illinois, is being investigated by Oklahoma's Attorney General. We represent multiple State Farm policyholders in Alabama that allege that State Farm had a nationwide scheme to reduce payments on roofing claims. We're not the only ones investigating State Farm. NBC Nightly News ran the following piece on Oklahoma's Attorney General's Investigation: https://youtu.be/m1CCYDl3I5M?si=HGdyiu6-THnA7ST_ . If this is true, then State Farm has
Inge Johnstone
1 min read


Texas Supreme Court Rules for Insurer and Finds that Tornado is a Windstorm
Is a Tornado or Windstorm The Texas Supreme Court recently ruled in favor of the insurance company and found that a tornado was considered a windstorm for the purposes of applying the policy's hail and windstorm deductible. In Pure Underwriters Reciprocal Exchange v. Mankoff , the Texas Supreme Court reversed the Texas Court of Appeals for the Fifth District and found that a tornado is unambiguously a windstorm under Texas law. Under Texas law, a term in an insurance contract
Inge Johnstone
1 min read


When a Contractor “Helping With the Insurance Claim” Crosses the Line in Alabama and Commits the Unauthorized Practice of Law
Commercial Insurance Claims Can Result in Big Disagreement with the Insurance Company Contractors must be careful not to commit the unauthorized practice of law in Alabama. After a loss, contractors are often the first professionals on site—and insureds naturally want them to help “deal with the insurance company.” That instinct is understandable. But in Alabama, there is a clear legal boundary between providing construction expertise and negotiating insurance claims on beha
Inge Johnstone
4 min read


The Alabama Direct Action Statute After A.B. v. Nationwide: When Notice Rules Defeat the Statute’s Purpose
The Motto on the Supreme Court Building Should Be Sacred and Zealously Protected by All of Us The Alabama Direct Action Statute is meant to give an injured tort victim a path to insurance proceeds after securing a judgment. The Eleventh Circuit’s recent decision in A.B. v. Nationwide shows how Alabama’s late-notice precedent has been interpreted to undercut this purpose. What the Eleventh Circuit Did—and Why It Matters In A.B. v. Nationwide , the court applied Alabama law a
Inge Johnstone
3 min read
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