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insurance law Archives

Will my homeowners’ insurance cover flooding?

Depending on where you live in Washington, you may worry about your home being destroyed by flooding, as well as whether your insurance will cover flood-related damages. There are many misconceptions related to this complicated area of insurance, as well as what exactly constitutes flooding damage, versus ordinary water damage.

Contractors and denied insurance claims

Contractors often run into many challenges, whether they encounter issues related to a particular construction project, the local economy or the workers they employ. However, unexpected problems can arise, such as a workplace injury, a motor vehicle collision, an extreme weather event or some other serious issue. To make matters worse, some contractors may find themselves in a particularly difficult position when they discover that their insurance company is refusing to help out and that their claim has been denied. This can be very upsetting and may lead to various hardships which could even force a contractor to shut their business down if the matter is not handled properly.

Is your dog endangering your home insurance?

When you brought home your new dog, the possibility of the pup affecting your home insurance was probably the last thing on your mind. You and other Washington residents may be surprised to learn that many insurance companies blacklist some dog breeds, and if you have a dog that is on one of these restricted lists, it could cause your home insurance to be dropped.

Limits on the duty to defend

When you obtain an insurance policy with a company in Washington, you enter into a contract with your insurer. Your insurer then has a responsibility to fulfill three duties, one of which is the duty to defend. In other words, if someone else brings a lawsuit against you for damages covered by your insurance policy, your insurer has a responsibility to cover the costs of your legal expenses. However, the duty to defend is not all-encompassing. We at LePley Law Firm believe that it is important for you to understand the limits on your insurer's duty to defend in order to ascertain whether your insurer has broken faith with you.

How to handle your ERISA claim

Many private, non-government companies offer their employees health insurance coverage, as well as many other benefits, including life insurance, 401k, COBRA insurance, disability insurance, pensions and other retirement plans. If you are employed with such a company, you have rights when it comes to getting your insurance and benefits. The people who handle your health care insurance and benefits with the company are held to certain standards when offering these plans. These standards are listed in the Employee Retirement Income Security Act of 1974 and are otherwise referred to as ERISA.

Time is of the essence when it comes to your homeowners' claim

If you have recently sustained severe damage to your residential property, we at LePley Law Firm know that you may feel paralyzed, overwhelmed by the circumstance and unsure of what to do next. However, in order to have any hope of receiving compensation from your homeowners' insurance, you need to act quickly. Contacting your insurer and filing a claim should be one of the first tasks on your list of things to do following damage to or destruction of your home. This is because there are limitations on the time you have to do so after the event occurs.

3 things you need to know about home insurance

When a family in Washington buys a home and purchases home insurance to protect it, they should have peace of mind that the property is protected in the event of an emergency. Unfortunately, there are times when an insurance company may not pay, or a claim may be denied because of something the policy holder was unfamiliar with.

What does workers' compensation insurance cover?

As a Washington worker, the law likely requires your employer to have a workers’ compensation insurance policy in place. This means that if you get injured at work or suffer a work-related illness, your employer’s work comp carrier must pay for your associated medical and other expenses.

Does Washington state require PIP coverage?

Personal injury protection is coverage you can add to your regular car insurance policy to help pay for wage loss, medical and hospital expenses, loss of services and funeral expenses, all damages your typical insurance plan does not cover. If you pay for PIP, the law requires your insurance company to pay out your claim regardless of who was at fault for the accident. In a state like Washington, PIP is handy to have, especially if you cause an accident or if you sustain injuries in an accident caused by an uninsured motorist. That said, does the state require drivers to carry PIP? No, it does not.

The importance of managing an insurance dispute properly

When it comes to insurance disputes, every case is unique. These disputes arise for different reasons and the details surrounding a dispute vary from one case to the next. If you are in the middle of a dispute, or if you worry that one is around the corner, it is essential to identify the best course of action and take a stand for your legal rights. Insurance companies can be hard to work with and the outcome of such a case could have a significant impact on you from a financial standpoint and even an emotional point of view.