Biller, Sachs & Robert

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 […]

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

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

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.

 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

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

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

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.