Biller, Sachs & Robert

Replacement Cost Coverage

What is replacement cost coverage, and do you really have it?  Anyone who owns a home or business should have appropriate and adequate insurance coverage.  Most home and business owners have coverage known as replacement cost coverage.  Replacement cost coverage comes in various assortments such as “Guaranteed” replacement cost coverage, “superior” replacement cost coverage, and …

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Law or Ordinance Coverage

The Connecticut Association of Public Insurance Adjusters, together with a number of legislators and particularly with the assistance of the CAPIA Board and the lobbyists it retained, an “Act Concerning Law or Ordinance Coverage,” otherwise known as Public Act 18-105, was passed and will become effective on July 1, 2019. Public Act 18-105 provides that …

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Connecticut’s Uniform Relocation Assistance Act (URAA)

Connecticut’s Uniform Relocation Assistance Act (URAA) Attorneys, Public Adjusters, and Insureds alike have been dealing with municipalities’ efforts to charge property owners for relocation costs.  On March 28, 2018 Attorney Biller presented this topic to the Connecticut Association of Public Insurance Adjusters. The following are highlights of his presentation. Brief Summary The URAA or C.G.S.A. …

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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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Biller, Sachs, Zito & LeMoult Sets Precedent in Alleging Unfair Insurance Practices

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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