Blogs
Emotional Distress Damages in Property Insurance Claims: Are They Recoverable?
When navigating the aftermath of property damage, homeowners often not only face the physical loss of their property but also significant emotional distress. This stress can be exacerbated by the way an insurance claim is handled. In ...
An Insurance Company’s Burden of Proof in Alleged Arson Claims
Under North Carolina law, when an insurance company contends that a fire loss is not covered due to the insured's intentional actions, such as setting the fire deliberately, specific legal standards and principles apply. This blog ...
What is Surplus Lines Insurance?
Surplus lines insurance is a specialized type of coverage for risks deemed too complex or unconventional for standard insurance markets. When traditional insurance carriers are too expensive or decline to provide coverage due to the ...
What happens if your insurance company goes out of business?
When a property insurance company goes out of business in North Carolina, policyholders with open claims may initially feel a wave of panic and uncertainty. The dissolution of an insurance company doesn't mean that claims will be left ...
What is an Examination Under Oath?
There exists a procedure that often strikes fear and uncertainty into the hearts of policyholders that contact me: the Examination Under Oath (EUO). I have witnessed firsthand the confusion and apprehension that this process can ...
The Importance of Documenting Contents for Insurance Claims
I have seen countless cases where my clients have suffered significant losses due to property damage, only to face further hurdles in the insurance claim process because they lacked proper documentation of their contents. It is a ...
Business Interruption Coverage: The Basics
Property insurance is a critical safeguard for businesses, offering protection against a range of unforeseen events that could otherwise disrupt operations and financial stability. In North Carolina, as in other states, business ...
Co-Insurance: An Introduction
If you are considering purchasing an insurance policy with a co-insurance requirement, it is essential to understand the concept of co-insurance and the potential implications for your coverage.
Co-insurance is defined as a ...
Deciphering Coverage: The Role of Concurrent Causation and Anti-Concurrent Causation Clauses in North Carolina Property Insurance Claims
Concurrent causation is a pivotal concept in understanding how to make proper property insurance claim coverage determinations under North Carolina law. This concept is crucial when evaluating insurance claims where multiple causes ...
Arson & The Innocent Spouse: A Primer on North Carolina Law
The "Innocent Spouse Doctrine" in the realm of arson insurance claims holds particular significance in jurisdictions across the United States, including North Carolina. This doctrine can serve as a pivotal factor in determining the ...
Proposed North Carolina Insurance Rate Hikes
In recent months, North Carolina has found itself at the center of a heated debate surrounding proposed insurance rate hikes that could potentially impact residents, businesses, and the overall economic landscape of the state. The ...
Hurricane Insurance Claims 101
We have prepared the below tips (for actions to take before and after the storm) for documenting and making inevitable hurricane related insurance claims:
Photograph the condition of your property before the storm
Oftentimes, ...