Court Ruling Emphasizes Common Sense Reading of Insurance Policy in Win for Policyholder

The Washington Court of Appeals recently decided Poole v. State Farm Fire and Casualty Company, a case about fine print in a homeowner's policy.  After the Pooles' home burned down, State Farm denied coverage under a technical reading of the words "similar construction."  Washington's Court of Appeals disagreed with State Farm and emphasized the traditional …

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Texas Judge Strikes Down Affordable Care Act

A federal judge in Texas has ruled the Affordable Care Act (a/k/a "Obamacare") can no longer be enforced.  The judge determined the Act cannot function without its individual mandate requiring virtually all Americans to carry minimum health coverage.  Congress repealed the ACA's individual mandate at the end of 2017. If the ruling becomes the law …

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Do I Have To Cooperate With My Insurer After A Loss?

Imagine your house catches fire and you make a claim for coverage under your homeowner's insurance policy.  After a few weeks, the insurer denies the claim.  They don't dispute the fire happened.  But they say they don't have to cover the damage because you didn't cooperate with their investigation.  They claim you should have sent …

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Know Your Rights Under Washington’s Patient Bill of Rights

Health insurance policyholders are guaranteed specific rights under Washington State's Patient Bill of Rights.  The law's purpose is to guarantee health insurance policyholders have access to quality health care.  If you find yourself in a dispute with your health insurance carrier, knowing these rights may help. Policyholders Have The Right To Know About Their Coverage.  …

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Insured California Wildfire Losses May Exceed $6 Billion

California's increasingly-destructive wildfires are estimated to trigger billions of dollars in insurance claims.  As of November 2018, estimates show 15 wildfires in California destroying nearly 7,000 homes and business; 31 people have been killed and nearly 300,000 evacuated.  Beyond the loss of life and property damage implications for typical homeowner's insurance coverage, the fires and …

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