Property insurance claim research
Plain-language explainers on the issues that decide a property insurance claim, written from the contracting and claims side rather than the carrier's. Each one ends with free case-law searches so you can read what courts in your own state have actually said.
Free to read, no account needed. Brought to you by NFCcop, a 501(c)(3) nonprofit.
These pages explain how an issue usually works. They are information, not
legal advice, and rules differ by state and by policy.
Topics
Overhead and Profit (O&P)When does an insurer have to pay general contractor overhead and profit?Matching and Uniform AppearanceDoes an insurer have to replace undamaged material so the repair matches?Depreciation of LaborCan an insurer depreciate labor when paying actual cash value?Appraisal and UmpireHow does the appraisal process work, and when can a party demand it?Ordinance or Law CoverageWho pays when code upgrades are required during a repair?Replacement Cost vs. Actual Cash ValueWhat is the difference between replacement cost and actual cash value?Deductible ApplicationHow is a hurricane or wind deductible applied to a claim?Bad Faith and Claim HandlingWhen does an insurer’s handling of a claim cross into bad faith?
Building a claim that turns on these issues?
PAi Claims builds an itemized estimate from your own photos, policy and measurements, on your computer, with every line traced to its source. Brought to you by a 501(c)(3); the first claim is $20.
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