Claims·Analysis
Underpaid First-Party Residential Property Claims in Florida: Bad Faith and Extra-Contractual Remedies After SB 2-A and HB 837
An underpaid Florida property claim now runs two tracks: the contract recovers policy benefits and interest only, while statutory bad faith (gated behind section 624.1551's adverse-adjudication prerequisite) is the sole route to consequential damages and fees.
Analysis•June 19, 2026
Claims·Analysis
Actual Cash Value, Replacement Cost, and Depreciation in Florida Property Claims
Every undervaluation fight lives in one gap: replacement cost minus depreciation. What Florida lets carriers depreciate (including the contested labor question), how overhead and profit fit, the ACV-roof shift, and the district split over recovering RCV on property that's never repaired.
Analysis•June 14, 2026
Claims·Analysis
Underpayment and Scope-of-Damage Disputes in Florida Residential Property Claims
The fight usually isn't denial. It's a check that runs short. How Florida sorts what an appraisal panel decides from what a court decides, where overhead and profit, depreciation, code upgrades, and matching drive the dollar gap, and how the 2022 to 2023 fee repeal changed whether it's worth fighting.
Analysis•June 14, 2026
Claims·50-State Survey
Anti-Public Adjuster Endorsements: Where All 50 States and D.C. Stand
Only Texas and Louisiana prohibit anti-public adjuster endorsements by statute, and Louisiana exempts commercial surplus lines. A 50-state survey of the licensing schemes, the FAPIA v. Velocity test case, the Barbato decisions, and the waiver question no appellate court has answered.
50-State Survey•June 12, 2026
Claims·Analysis
TDI's Proposed Appraisal Rules: New 28 TAC §§5.9800 to 5.9806 Would Set Deadlines, Qualifications, and Umpire Safeguards for Texas Home and Auto Claims
TDI's proposed rules implement SB 458: unilateral appraisal demands, a 240-day residential clock, appraiser credentials, and a one-year demand deadline, applying to policies issued or renewed on or after September 1, 2026.
Analysis•June 11, 2026
Claims·Analysis
Underpaid Home Insurance Claims in Florida: What to Do When the Check Won't Cover Repairs
The most common fight isn't denial. It's a check that falls short. Why Xactimate estimates come in low, the code-upgrade and matching statutes, and the 18-month supplemental deadline that decides these disputes.
Analysis•June 11, 2026
Claims·Analysis
Washington's Insurance Fair Conduct Act: How the State's Treble Damages Claims Law Works
IFCA lets first-party claimants recover treble damages and fees for unreasonable denials, layered on WAC 284-30 deadlines, per se CPA liability, and the Cedell privilege presumption. Treat every 20-day notice as a fire alarm.
Analysis•June 11, 2026
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