R2R Meeting 16 ppt

SoCal 2007 Wildfire Roadmap to Recovery: Legal Issues Revisited…Bad Faith, Insurance Code Section 2051.5(c) (Replace vs. Rebuild) and Underinsurance Meeting 16: June 26, 2008 Rancho Bernardo Community Presbyterian Church www.unitedpolicyholders.org Karen Reimus [email_address]

Mark your calendar for upcoming Roadmap to Recovery meetings… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Additional Support Resources from United Policyholders to Help You Navigate the Catastrophic Property Loss Recovery Process: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Videos of Roadmap to Recovery Meetings Now Available… ,[object Object],[object Object],[object Object],[object Object]

Previous Roadmap to Recovery Meetings Now Available… ,[object Object],[object Object],[object Object]

Thank you to the following for making the online viewing possible… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

The Fine Print… ,[object Object],[object Object],[object Object]

Going home one step at a time Celebrating along the Road Home: Ideas and Encouragement for 2007 Fire Survivors from Cedar Fire Survivors, United Policyholders, and RBCPC NEW PAMPHLET Jan Rasmussen, RB United will distribute

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CHARLES S. LiMANDRI

INSURANCE BAD FAITH By: Charles S. LiMandri, Esq.

Three Tier Analysis: ,[object Object],[object Object],[object Object]

Coverage: 1. Structures 2. Personal Property 3. Additional Living Expenses 4. Prejudgment Interest (Liquidated Amounts)

Bad Faith Analysis: ,[object Object],[object Object],[object Object],[object Object]

Bad Faith Damages: ,[object Object],[object Object],[object Object]

Punitive Damages: ,[object Object],[object Object],[object Object],[object Object],[object Object]

Examples of Bad Faith: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

STANDARDS FOR ADJUSTING CLAIM: ,[object Object],[object Object],[object Object],[object Object],[object Object]

Duties Owed By Insurer: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Insurer Defenses: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Appraisal: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Claim Related Documents: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Advice to Insureds: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Litigation With Insurer: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Closing : ,[object Object],[object Object],[object Object]

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Roadmap to Recovery: June 26 th , 2008 Follow the green (brick road): We’re in California, not Oz Amy Bach, Esq. www.unitedpolicyholders.org

Q: I don’t want to rebuild. I want to max out my insurance benefits and buy elsewhere. What should I do? ,[object Object],[object Object]

Q: But my insurer says I only get paid replacement cost if I rebuild… ,[object Object]

CA. law offers a special protection for those who want to buy, not rebuild after losing a home: ,[object Object],[object Object],[object Object]

United Policyholders’ view: ,[object Object]

It can’t be that simple…right? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What did the CDI opinion say? ,[object Object],[object Object]

Can my insurer deduct the value of the land @ the new location? ,[object Object],[object Object]

Are there any other arguments I can make to convince my insurer to commit to pay my full RC benefits so I can replace my home with an existing one? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What does the word “replacement” mean on Planet Earth”? ,[object Object]

What Does "Replacement Cost" Mean on Planet Insurance Industry? ,[object Object],[object Object],[object Object]

Underinsurance is a challenging problem and there is no “one size fits all” solution ,[object Object],[object Object],[object Object],[object Object]

2007 UP/RBUnited/RMHL Wildfire Claim Status Survey results: ,[object Object],[object Object],[object Object]

Other notable results: ,[object Object],[object Object],[object Object],[object Object]

Other notable results: ,[object Object],[object Object]

Underinsurance RX “to do” recap: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

CDI Consumer Hotline: 800-927-HELP

Our heartfelt thanks to: ,[object Object],[object Object],[object Object],[object Object]

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R2R Meeting 16 ppt

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