Defining “Amount of Loss”

Insurance companies are going further than ever to ensure that they deny claims of Hoosier homeowners.  Insurance companies are testing the waters with just how far they can go to deny homeowner claims that clearly fall within the scope of their policy.

It has become a recurring theme to deny claims, forcing homeowners through the exhausting administrative process in hopes that they will abandon their policy claims.  Even when forced into appraisal, an insurance company will misinform homeowners to prevent covering the loss.

If a homeowner requests an appraisal, which every policy in the State of Indiana contains, insurance companies are now attempting to claim that this only appraises the total monetary value, not the causation of the damage.

This type of interpretation is incorrect and the insurance companies know it.  In holding that if “amount of loss” does not include causation, “appraisal would be a useless exercise because it would not fix the amount of loss and either party could still contest damages.”  See Phila. Indem. Ins. Co. v. WE Pebble Point, 2014 U.S. Dist. LEXIS 123713.

Insurance companies should not be able to play games with the homeowners they insure.  Please contact us today if you have experienced these types of actions by your insurer when making a homeowner’s claim.

Insurance Claims Denied

As a former contractor, I know the difficulties that a homeowner can face when making a claim for weather-related storm damage to their property.

In Indiana, the insurance companies use this lack of experience to take advantage of homeowners.  They do not expect a homeowner to understand what damage is covered or how their policy can be used to properly address a loss they may have suffered.  Losses can include wind, hail, or storm damage.

Damage caused by wind can remain hidden, this would include seal to seal transfer on shingles.  Adjusters for the insurance companies have denied claims for such damage blaming the cause on installation errors by the home builder, even though reports by the engineering companies they use clearly reference this type of damage as caused directly by storms.

Insurance companies are obligated to act in good faith and deal fairly with a homeowner who may have suffered a loss.  Unfortunately, in Indiana, this is the exception not the norm.  It has come to our attention that insurance companies are denying claims as a method to deter homeowners from making them.  This tactic is to delay or exhaust a homeowner and prevent a covered loss from being paid.

Most insurance policies in Indiana contain a clause called “Appraisal.”  This clause is used by the homeowner when they feel that their insurance is not representing their best interest.  Appraisal requires that the homeowner and the insurance select a neutral third party to represent their interests with the claim, and if no agreement can be met an agreed upon umpire is allowed to resolve the dispute.  It has become common place for the insurance companies in the State of Indiana to deny homeowners this process.

Insurance companies know that if they delay long enough and repeatedly deny a claim, most homeowners will abandon their claim for damages.   We here at Saeed & Little find this wrong and want to help people who have been taken advantage of by their insurance carrier.  If you have experienced this, please reach out to us today and tell us about your experience so we can hold insurance companies liable for the claims they owe.

You have paid your policy; it is time you are provided the protection you are owed.

Louisville Farm Show

Myself, Jeff Neuenschwander, and David Miller traveled to the Louisville Farm Equipment Show today. We spoke to numerous farmers about Sygenta’s reckless introduction of seeds that were not approved for export to China. Syngenta’s booth at the show advertised that their seeds are now approved in China (see picture below). Great for Sygenta, bad for all of the Hoosier farmers that lost an untold amount of money the last two years.

Lawyers all over the United States are actively trying to attract clients who were injured by Sygenta’s greed and pre-mature introduction of seeds not approved for Chinese export. Please read this letter and find out why Saeed and Little, LLP is the best choice for Indiana farmers to hold Sygenta accountable.

If we saw you at the farm show we look forward to talking to you again soon and if not we are sorry we missed you.


Huge data breach by Indiana company Anthem leaves 80 million vulnerable

In a massive data breach, health insurance company Anthem has had name, address, birthdate, and social security number information compromised for up to 80 million customers and employees.

This breach is particularly troubling, because the information leaked appears to be complete enough for malicious parties to open credit accounts using the victims’ identities.  The theft affects employees, past, and current customers of Anthem.

It is clear that companies need to take their duty to protect their customers’ information much more seriously.  This hack is the latest in a long line of security failures over recent years, including JP Morgan, Target, and Home Depot.

Companies like Google and Amazon somehow seem to manage to avoid having their customer databases hacked — perhaps it is time that the rest of corporate America wake up and spend more of their record profits on data security.

We advise anyone who thinks that Anthem may have been storing their personal details to place a freeze on their credit accounts with each of the major credit bureaus.  For more information on how to place a freeze on your credit accounts, please see this page at the attorney general’s office:

It is also worth noting that our firm already has a pending action against Anthem, alleging artificial inflation of prices: