All About Insurance
Articles on fighting wrongful Property Insurance denials as well as avoiding traps/problems with Environmental Insurance (Environmental Impairment Liability Insurance or Pollution Insurance)
Property Insurance. We focus on several areas: (1) How to fight wrongful denials under the constant and repeated seepage exclusion; (2) Why mold after drying?; (3) Fighting Water Damage underpay; (4) Fighting Carrier managed repair/ preferred vendor programs.
(This section sponsored by NAERMC.)
Environmental Insurance. Not just a concern for contractors, but for building owners and businesses as well. There are massive changes taking place in Environmental Insurance due to COVID-19. Check out this section for the latest.
(This section sponsored by ARMR)
This article explains the ins and outs of Contractor Pollution Liability Insurance by the top expert in the field.
DDRS staff have prepared seven articles to discuss in terms of what can be done to fight wrongful denials.
Traps: Bogus insurance certificates issued by insurance agents with no actual coverage for the work you do. Illegal application of anti-microbials (Covid-19 or Mold Remediation) that is “a violation of federal law” resulting in your insurance coverage to be null and void since you cannot have an enforceable contract for illegal services.
It is illegal by Florida Law for a Carrier Adjuster to steer insured toward the Carrier Managed Repair Program.
Carriers do not require home inspections because they know that there will be some pre-existing damage. They then deny a new claim based on old wear and tear or limited pre-existing damage.