Sept. 13, 2012 - Insurance Companies Are Required to Make Claim Checks Payable to You, NOT TO YOUR CONTRACTOR
Recently, the Maryland Insurance Administration (“MIA”) found an insurer in violation of the Insurance Article for making a claims check payable solely to a third-party contractor without authorization from the insured. In that case, the insurance company paid Contractor # 1 to make repairs on the insured’s home. But after payment was made, Contractor #1 did not complete the work. When the policyholder brought in Contractor #2 to complete the work, the insurance company refused to pay Contractor#2. After the policyholder complained, the MIA required the insurance company to pay for Contractor #2’s services because the insurance company had failed to obtain a written authorization from the policyholder that would have permitted direct payment to Contractor #1. Remember, your insurance company must obtain your permission to pay third-party contractors directly.
September 6, 2012 - Water Back-Up Endorsements Several Insurance Companies Have Significantly Lowered Available Water Back-Up Coverage...More
August 16, 2012 - MIA Bulletin 12-16 Filing Too Many Claims With Insurance Carrier May Lead To Cancellation or Nonrenewal...More
August 10, 2012 - Switching Your Insurance Agent Might Lead To Increased Premiums - But Don't Allow It... More
Hurricanes and severe storms leave many homeowners with fallen trees and limbs. Your homeowners policy may provide coverage for a fallen tree but coverage depends on the terms of your policy and the kind of damage caused by the tree. This short video from the Insurance Information Institute (III) explains the coverage typically provided by a homeowners policy. If you have a fallen tree, review your policy or call your agent to discuss the coverage that may be available. Maryland law protects consumers when they make a call to an insurance agent for information. That inquiry will not result in a claim against your policy.
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