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Home / Insurance / Tuesday at 2 with Chip Merlin – and today includes Larry Bache – answering questions about property insurance questions | Real Estate Insurance Coverage Blog

Tuesday at 2 with Chip Merlin – and today includes Larry Bache – answering questions about property insurance questions | Real Estate Insurance Coverage Blog



Larry Bache is back from the popular demand to answer questions at the national level posed to us during our recent seminar where Hurricane Irma claimed. I think the last time Larry Bache was with me on Tuesday at 2, was back on May 18th.

Here are some of the issues we will discuss today, and you are free to write more during the session: [19659003] Who is a better expert witness who involves a damaged roof claim – an entrepreneur or an engineer?

  • What happens if a valuer finds more damage than requested or previously estimated? Is the valuer limited to the alleged amount? Can the insurance company initiate a new investigation of the recently discovered damages?
  • Can a government adjustment force an insurance company to pay for an expert required by an insurance company adjustment?
  • What do you do if you continue to demand assessment and the insurance company continues to ask for more information?
  • What happens if the homeowner hears that the repairs on a tile roof can be matched and that they do not match after the repairs have been completed?
  • Is it right to repair with a "gloss coat" that the insurance company claims will make the roof match?
  • What do you do about errors and omissions from insurance agents when insurances are written without matching or on an actual cash value basis?
  • Can a general adjuster or contractor pay for the policyholder's valuer or half the judge's fee?
  • Can public adjudicators file notices of civil action in Florida or intent to file notices of lawsuits in Texas?
  • What is the unauthorized exact practice of public adaptation and unauthorized practice of the law?
  • Questions lead to thinking about the best methods for dealing with claim situations. Here is some advice on a process to start:

    • Read the full policy
    • Find out what the law applies
    • Know about the Real Estate Insurance Act including regulations that will apply
    • Examine all facts
    • Apply Policy with the Law to the Facts

    Obviously, this can be very complicated in some situations for claiming real estate insurance. Knowing the law while not practicing the law can be very difficult for some non-lawyers. This is especially true when the non-lawyer may have a very good knowledge base on specific insurance legislation.

    At what point should a non-lawyer working for a policyholder seek someone who provides legal advice on what to do from a legal standpoint?

    That is why some of our answers will be limited to the process I suggested above. RTFP is good for political understanding but RFKIA is needed to analyze the situation more. You will become KIA if you do not RTFP and know the law when you do analysis of insurance coverage.

    Hope you can join Larry Bache and me on 2 EST today. Here is the link.

    Thought for the day

    Countering disputes. Persuade your neighbors to compromise when you can. As a peacemaker, the lawyer has a superior opportunity to be a good man. There will still be enough business.
    —Abraham Lincoln


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