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 […]
Law or Ordinance Coverage Read More »
Independent Adjusters – Staff Adjusters – Public Adjusters: Who Are They and How Do They Help You When You Have a Loss? When you suffer a property loss to your home or your business, you have an obligation to timely report that loss to your insurance agent and/or your insurance company. Your insurance company has
Differences in Adjusters Read More »
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.
Connecticut’s Uniform Relocation Assistance Act (URAA) Read More »
Congratulations to Jon D. Biller on being selected as a 2015, 2016, 2017 and 2018 Connecticut Super Lawyer in the practice area of insurance law. Super Lawyers is a rating service of outstanding lawyers who have attained a high degree of peer recognition and professional achievement. Attorneys are nominated by their peers and reviewed and
Attorney Jon Biller Selected Connecticut Super Lawyer Read More »
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
Independent Insurance Adjuster: No Duty to You Read More »
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
Protect Thy Neighbor: Things to Consider When Having Work Done on your Home Read More »
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
Knowing Your Property Insurance Policy, Part 3 Read More »
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
Biller, Sachs, Zito & LeMoult Sets Precedent in Alleging Unfair Insurance Practices Read More »
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.
Knowing Your Property Insurance Policy, Part 2 Read More »
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 Page of
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