Does Actual Cost Value Equal Fair Market Value When it Comes to Property Damage?
When reading insurance policies it can be confusing to a policyholder regarding the differences in valuation of real property and personal property when terms like “fair market value”, “actual cost...
View ArticleDenial of Recovery of Tenant Improvements Leads to Breach of Good Faith and...
When it comes to commercial losses, taking the time to view the policy and figure out the applicable laws of the controlling state are necessary. However, sometimes, the basics are forgotten by even...
View ArticleCalifornia Earthquake Policies Add Endorsements
While the rest of the country watches for hurricanes, Californians are wondering when the next large earthquake will occur. Unfortunately, there is very little time to prepare for an earthquake as...
View ArticleSale of Earthquake Policies in California go up in time for newest wave of...
In past years, I’ve closely followed the earthquake activity in California. I’ve blogged about “swarming,” which are clusters of earthquakes within a small period of time that geologists indicate maybe...
View ArticleHomeowner’s Associations- Does Your HOA Have the Right Coverage?
Homeowners living in planned communities usually have governing documents that mandate the individual home or condominium unit owners carry their own insurance in the event of a property loss. While...
View ArticlePersonal Property Depreciation by the Insurance Company After a Loss Should...
I often hear the same complaint from clients: They feel the insurance company has undervalued their personal property after a loss and are frustrated by the insurance company’s valuation and rate of...
View ArticleInsurance Bad Faith Can Also Be Found When an Insurer Fails to Properly...
Insurance Codes are regulated by each state, but ask any insurance company representative in any state and they will tell you it is an insurance company’s duty to place the insured’s interest ahead of...
View ArticleWhat Unreasonable Behavior of the Insurer Gives Rise to Bad Faith in California?
In a past blog, I explored how the interpretation of California Civil Instruction (CACI) 2334 is impacting the law. This week, we look at the CACI instruction to analyze how an insurer’s “unreasonable”...
View ArticleCalifornia Wildfires Bring the Need for Additional Living Expense Payments of...
Last Thursday, October 26, 2017, I had the privilege to be on KSRO 1350 AM/103.5 FM, Sonoma County’s News Talk Radio Morning News, to discuss the wildfire aftermath as communities are looking to begin...
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Napa Wine Country Wildfire Town Hall
The recent fires in Napa Valley and Sonoma, California present numerous issues for homeowners and business owners alike when it comes to navigating insurance claims. Questions arise as to what...
View ArticleCalifornia Wildfires Declared State of Emergency – How Does That Impact My...
The buzz amongst policyholders about what insurance owe for additional living expenses due to the Northern California Wildfires is still going strong as Southern California braces this week for Santa...
View ArticleCalifornia Department of Insurance Provides Notice that Mudslides are Covered...
Southern Californians impacted by the mudslides that followed the devastating wildfires in Ventura and Santa Barbara may see some light at the end of the tunnel with the big question of whether...
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