The South Carolina legislature has a bill for insurance claims that is very policyholder and would severely restrict insurance companies from denying water leaks absent prior knowledge of the policyholder. Here it is:
South Carolina General Assembly
124th Session, 2021-2022
Prefiled in the House on December 9, 2020
TO CHANGE THE CODE OF LAW IN SOUTH CAROLINA, 1976, BY ADDING SECTIONS 38-75-70 HOW TO PREVENT ANY LEAK IN CERTAIN CIRCUMSTANCES.
Was adopted by the State of South Carolina:
SECTION 1. Article 1, Chapter 75, Section 38 of the 1976 Code is amended by adding:  Sections 38-75-70. An insurance company may not deny a claim arising from a leak due to the leak that has occurred for an extended period of time, unless the insured has actual knowledge of the leak and has not taken steps to repair or replace the source of the leak.  SECTION 2. This Act shall enter into force upon the approval of the Governor.
More legislators, especially in Florida, should adopt similar laws that protect voters and policyholders from insurance companies that print coverage in the small print of the insurance policies. We routinely have policyholders who seek our help when their hidden water damage behind the walls is denied by their insurance company. I mentioned how State Farm denies its customers for this type of claim in, Is State Farm Policy Really Worth Anything? I noted:
What is the value of insurance if it does not pay for insured losses? Imagine if you had a significant accidental water damage in your home or business, do you know if your insurance company has your back? Will it really be there to help you? Do not count on it. Today, modern insurance companies write about their insurance policies to limit what is covered and exclude many losses that were previously covered by risk risks. State Farm, as a leader in the insurance industry, is responsible for making an insurance product that no consumer should trust to provide the coverage that the insurance product provided 25 years ago. It is always important to remember that policyholders buy insurance for peace of mind and not financial benefit and that the concept is defeated when carriers try to gain financial benefit by changing lowercase letters in the policy that can have significant consequences discovered by the policyholder only after disaster. happens. To be fair and balanced with State Farm, I could have swapped Allstate, Nationwide and USAA for the title.
Bravo to South Carolina State Attorney J. Todd Rutherford for standing up against the insurance lobby and submitting common sense to help his constituents. This is an example that others should follow rather than giving in to the insurance company's lobby and its propaganda. . A much more urgent problem is to protect the consumer from the government.