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Ohio Insurance Claims Nonmaterial Depreciation Settlement

This settlement resolves a class action against four insurance companies: Liberty Insurance Corporation, Safeco Insurance Company of Indiana, LM Insurance Corporation, and Liberty Mutual Fire Insurance Company. The complaint alleged the companies improperly deducted depreciation on nonmaterial costs like labor when adjusting claims.  Read more

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Rushmore Loan Kickbacks Alleged for Forced-Placed Insurance Class Action

Under certain circumstances, mortgage borrowers may be forced to pay for insurance policies chosen by their mortgage lender or servicer. This force-placed insurance (FPI) arrangement is not illegal. However, the complaint for this class action questions the FPI practices of Rushmore Loan Management Services, LLC, however, alleging that the company receives “an unearned kickback designed  Read more

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USAA Nonmaterial Depreciation Settlement

This settlement resolves a class action against USAA General Indemnity Company, United Services Automobile Association, USAA Casualty Insurance Company, and Garrison Property and Casualty Insurance Company. The complaint claimed the companies had improperly deducted nonmaterial depreciation when adjusting certain claims in Tennessee and Mississippi.  Read more

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American National P&C No Notice of Changes in Insurance Policy Class Action

If an insurance company makes changes to a policy’s coverage, what kind of notice, discussion, or consideration does it owe to policyholders? In this class action, the complaint alleges that American National Property and Casualty Company (ANPAC) made changes to a policy that the policyholders only became aware of when it was time to make  Read more

Damage to Roof

Amica Mutual Insurance Co. Premium Increases Class Action

This class action addresses rises in insurance rebuilding cost evaluations on homeowners’ policies issued by Amica Mutual Insurance Company. The complaint alleges that the coverage under an additional endorsement on Amica policies was adjusted too upwards when the policy was renewed, which the complaint claims is a breach of contract as well as a breach  Read more

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Integon National Insurance Diminution of Value Georgia Class Action

Sometimes, when a property is damaged, its value is diminished, even after repairs are performed. The complaint for this class action alleges that Integon National Insurance Company does not check properties or pay insureds for this diminution in value, against both the laws of Georgia and its own insurance policies.   Read more

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Nationwide Mutual Fire Co. Diminished Value Assessment Class Action

When your home suffers damage, it may be worth less, even after repairs. The complaint for this class action alleges that Nationwide Mutual Fire Insurance Company paid owners for repairs but not for this diminution of value, despite state laws requiring it to do so.  Read more

Severe Water Damage

Specialized Loan Servicing Lender-Placed Insurance Settlement

This settlement resolves a class action concerning lender-placed insurance (LPI) placed on mortgaged homes by Specialized Loan Servicing, LLC (SLS). LPI is placed on a mortgaged property when the borrower’s insurance lapses or if the lender believes that the borrower’s insurance in inadequate. With LPI, the borrower pays the loan servicer for the premiums and  Read more

Caliber Home Loans Lender-Placed Insurance Settlement

This settlement resolves a class action concerning lender-placed insurance (LPI) placed on mortgaged homes by Caliber Home Loans, Inc. LPI is placed on a mortgaged property when the borrower’s insurance lapses or if the lender believes that the borrower’s insurance in inadequate. With LPI, the borrower pays Caliber for the premiums and Caliber remits the  Read more

Lloyd’s Surplus Lines of Insurance and Kilauea Volcano Class Action

Kilauea, a volcano on the Big Island of Hawaii, has been erupting since 1983. When new fissures opened in it in May 2018, sending lava in new directions and destroying property that had previously not been threatened, a number of homeowners found out that their insurance coverage was inadequate. The complaint for this class action  Read more

Kilauea Lava Setting Fire to and Overrunning House