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Enforcement and Lawsuits guides
Arson, staged losses and fraud investigationsHow insurers and fire investigators test a suspicious fire or theft, what the intentional loss exclusion does, and what to do if your claim is investigated.Attorney fees and insurance litigation reformWho pays the lawyer in a home claim suit: the American rule, state fee-shifting statutes, Florida's repeal of one-way fees, and what changed for policyholders.Bad faith claim handling: what it means and what it doesn'tWhat bad faith means in a home claim, how it differs from a low estimate or slow adjuster, what you must prove, how states differ and which evidence matters.Class actions against home insurersHow class actions against homeowners insurers work, the labor depreciation cases that shaped them, what a settlement notice means, and when you should opt out.Deadlines to sue over a home insurance claimThe ISO policy allows two years from the date of loss to sue. State law can cut that to 12 months or stretch it to five, and talks rarely stop the clock.Homeowners insurance fraud: what it is and how it's caughtWhat counts as homeowners insurance fraud, hard versus soft fraud, how insurers investigate suspicious claims, and what an accusation means for you.Insurance redlining and fair housing lawHow the Fair Housing Act applies to homeowners insurance, what redlining looks like in underwriting and pricing, and where to complain if you suspect it.What happens when someone sues you after an injury at your homeHow a liability claim moves from injury to demand to lawsuit under Coverage E: what to report, who defends and settles, and what happens above your limit.Market conduct exams and regulatory finesHow state insurance departments audit home insurers through market conduct exams, what fines and consent orders mean for you, and how to find an exam report.Suing your home insurer: when and howWhen a lawsuit against your homeowners insurer makes sense, what the steps are, what it costs, what pre-suit notices states require and what to try first.Unfair claims settlement practices lawsWhat state unfair claims settlement practices laws forbid, the NAIC model deadlines, why they rarely let you sue, and how to use them in a home claim dispute.