Independent Insurance Adjuster: No Duty to You

 What is an Independent Adjuster? An independent adjuster is a professional who is responsible for evaluating an insurance claim and determining what coverage an insured is entitled to under his or her insurance policy. Frequently, when an insurance claim is made, an insurance company will send an independent adjuster to assess the damage and to …

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Protect Thy Neighbor: Things to Consider When Having Work Done on your Home

It is very important to understand the rights of property owners.  In Connecticut, the general rule is that a property owner is not liable to third parties for the negligence of a general contractor. For example, if you hire a painting service to paint your house and the painter on the job carelessly gets paint …

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Knowing Your Property Insurance Policy, Part 3

The Appraisal Clause Did you know your property insurance policy likely contains an appraisal clause? Did you know this clause can assist you in resolving an insurance claim? The appraisal process involves estimating or setting a value on a property loss. The process is informal and conducted without a court’s involvement. Appraisal clauses normally provide …

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Rams II, LLC v. Mass. Bay Ins. Co.

Rams II, LLC v. Mass. Bay Ins. Co., CV 136043177S 2016 WL 3266084 (Conn. Sup. Ct. May 23, 2016) Judge Wilson In this case, a business owner suffered a loss by virtue of water damage, which the defendant insurer refused to pay for in full. Biller, Sachs, Zito & LeMoult alleged that the insurer breached …

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Knowing Your Property Insurance Policy, Part 2

What is the difference between replacement cost value and actual cost value? It is important to know whether your insurance policy will value your damages, to both the structure and your personal property, on a replacement cost value or an actual cost value basis. These values establish the amount you may recover after a loss. …

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Knowing Your Property Insurance Policy

Part 1:  The Declarations Page Your property insurance policy is likely lengthy and encompasses numerous pages of language that may appear daunting to read. It is important to review these pages, even if they may appear irrelevant, to be certain you understand what you have coverage for in the event you need it. The Declarations …

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