18 Matching Annotations
  1. Feb 2021
    1. (h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices:
    1. (g) No insurer shall attempt to settle a claim by making a settlement offer that is unreasonably low. The Commissioner shall consider any admissible evidence offered regarding the following factors in determining whether or not a settlement offer is unreasonably low:

      unreasonably low

    2. (b) Upon receiving proof of claim, every insurer, except as specified in subsection 2695.7(b)(4) below, shall immediately, but in no event more than forty (40) calendar days later, accept or deny the claim, in whole or in part. The amounts accepted or denied shall be clearly documented in the claim file unless the claim has been denied in its entirety.

      40 day time limit

    3. (2) if requested by the claimant, promptly provide the claimant with the name of at least one repair individual or entity that will make the repairs for the amount of the written estimate. The insurer shall cause the damaged property to be restored to no less than its condition prior to the loss and which will allow for repairs in a manner which meets accepted trade standards for good and workmanlike construction at no additional cost to the claimant other than as stated in the policy or as otherwise allowed by these regulations; or,

      2695.9(d)(2) If requested

    4. (3) reasonably adjust any written estimates prepared by the repair individual or entity of the insured's choice and provide a copy of the adjusted estimate to the claimant.

      2695.9(d)(3) Reasonably adjust

    5. (1) pay the difference between its written estimate and a higher estimate obtained by the claimant; or,

      2695.9(d)(1) pay the difference

    6. Where an insurer denies or rejects a first party claim, in whole or in part, it shall do so in writing and shall provide to the claimant a statement listing all bases for such rejection or denial and the factual and legal bases for each reason given for such rejection or denial which is then within the insurer's knowledge. Where an insurer's denial of a first party claim, in whole or in part, is based on a specific statute, applicable law or policy provision, condition or exclusion, the written denial shall include reference thereto and provide an explanation of the application of the statute, applicable law or provision, condition or exclusion to the claim. Every insurer that denies or rejects a third party claim, in whole or in part, or disputes liability or damages shall do so in writing.

      Cited in Farmers claim letter

    7. Section 2695.9. Additional Standards Applicable to First Party Residential and Commercial Property Insurance Policies (a) When a residential or commercial property insurance policy provides for the adjustment and settlement of first party losses based on replacement cost, the following standards apply:

      Floor refinishing - Base regulation.

    8. (2) When a loss requires replacement of items and the replaced items do not match in quality, color or size, the insurer shall replace all items in the damaged area so as to conform to a reasonably uniform appearance.

      Floor refinishing - uniform appearance

    9. (1) pay the difference between its written estimate and a higher estimate obtained by the claimant; or, (2) if requested by the claimant, promptly provide the claimant with the name of at least one repair individual or entity that will make the repairs for the amount of the written estimate. The insurer shall cause the damaged property to be restored to no less than its condition prior to the loss and which will allow for repairs in a manner which meets accepted trade standards for good and workmanlike construction at no additional cost to the claimant other than as stated in the policy or as otherwise allowed by these regulations; or, (3) reasonably adjust any written estimates prepared by the repair individual or entity of the insured's choice and provide a copy of the adjusted estimate to the claimant.

      Farmers choice on submission of claim

    10. (b) No insurer shall require that the insured have the property repaired by a specific individual or entity. (c) No insurer shall suggest or recommend that the insured have the property repaired by a specific individual or entity unless: (1) the referral is expressly requested by the claimant; or (2) the claimant has been informed in writing of the right to select a repair individual or entity and, if the claimant accepts the suggestion or recommendation, the insurer shall cause the damaged property to be restored to no less than its condition prior to the loss and repaired in a manner which meets accepted trade standards for good and workmanlike construction at no additional cost to the claimant other than as stated in the policy or as otherwise allowed by these regulations.

      Shall note require Service Master

  2. Oct 2017
    1. e great tax farmers established hereditary rights over dozens of villages, in which they acted as virtual landlords and patrons. In addition to collecting taxes from the peasants they took care of various administrative tasks, mediated local disputes, and lent money on a large scale. Large stocks of food came into their possession as tax payments, giving them a highly profitable control over the grain supply to the city.
  3. May 2017
  4. May 2015
    1. some farmers will get water, and others will not, simply based on when their land was first irrigated.

      This is not fair because farmers weren't told before hand, and so some farmers are lucky while others are not. The situation in which the farmers are in is very perilous, and people with the most water will be able to make the most profit. That will mean that there will be a shortage of fruits and vegetables in the states and it is bad.