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When a person purchases an insurance policy, they often assume they are covered for anything that may go wrong. However, their claim can be denied by the insurance company and there are options to challenge the decision. Denial reasons There are several reasons an...
If you are married and have a life insurance policy, you may wonder what will happen to the death benefits if you or your spouse passes away. Will the surviving spouse receive the payout without any problems? The answer depends on several factors. Type of policy The...
Like other states, California has laws that require insurance companies to treat their policyholders and those who file claims fairly. Bay Area residents may have heard this requirement called the duty to deal in good faith. Basically, these laws protect the public...
Wildfires are an increasing risk that threaten the homes of residents of California. While a standard homeowner's insurance policy will cover certain damages, they generally do not cover damage caused by wildfires, prompting the need to obtain supplemental wildfire...
California businesses need to be adequately prepared for every eventuality. That includes being ready for unexpected occurrences that can damage or outright destroy their operations and property. That could be the land on which their business is located; the items...
California businesses are becoming more vigilant about making sure their insurance covers all kinds of problems. In recent years, that has centered on wildfires, business interruption coverage after the health crisis and the recent heavy storms that unexpectedly hit...
Those who are new to the California business world or who are just getting accustomed to the way in which business is conducted today might not be fully aware of the threats to which they are vulnerable. Business is largely conducted in cyberspace and it is nearly...
Policyholders count on their homeowners insurance being there if disaster strikes. Unexpected damages to a home can easily cost tens of thousands of dollars or more. But what happens if a homeowners’ insurer denies a claim? Disputing a denied claim If an insurance...
Insurance is meant to help us out financially when we suffer financial losses through no fault of our own. Just like you might purchase automobile insurance to cover your financial losses if you are in a car crash, business owners purchase various insurance policies,...
When you are in a car accident, the one insurance company you think you can rely on is your own insurance company. So, what happens if your own insurance company denies your claim? You might not have enough coverage Your denial may not be a full denial. The denial may...