Tag Archives: Insurance

CRUMBLING FOUNDATIONS IN CONNECTICUT

In having recently gone through my own purchase of a home in a highly affected area of Connecticut, I could not help but become familiar with the issue of crumbling foundations in Connecticut. This resulted in us doing a ton of research prior to settling on a home, especially in light of initially having interest… Read More »

TYPES OF TITLE INSURANCE

In a recent blog post (What is Title Insurance & Do I Need It) I discussed the basics of title insurance.  This blog post discusses the different types of title insurance that are generally available in a residential real estate closing. The Loan Policy: A loan policy of title insurance is always required by the… Read More »

WINTER DAMAGE & INSURANCE CLAIMS

The wind is howling, the snow is falling and the temperatures are dropping, all of which means that your homes are potentially susceptible to frozen pipes, ice dams, power outages and/or roof collapses, all of which could be devastating and/or cause a substantial amount of damage to your home. If the temperatures drop severely, or… Read More »

NEW CHANGE IN THE LAW COMING FOR AUTOMOBILE INSURANCE POLICY LIMITS IN CONNECTICUT

Auto Insurance For many years, the law in Connecticut has required that automobile insurance policyholders must hold insurance coverage of at least $20,000 per person, $40,000 per accident for bodily injury, and $10,000 per accident for property damage.  There was recently a push to increase these policy limits in an effort to make individuals more… Read More »

HOW INSURANCE PREMIUMS COULD IMPACT YOUR INSURANCE COVERAGE

Recently, I received my newest invoice for my automobile insurance coverage, and was shocked to find out the premiums had increased by over eleven (11%) percent.  I immediately contacted the insurance company as we had submitted zero claims, and there was no other reason for the increase other than a rate increase by the insurance… Read More »

WHAT IS TITLE INSURANCE AND DO I NEED IT?

Many home buyers are surprised to learn that one of their closing costs is for “title insurance.” What is title insurance and why is it needed at most real estate closings? In simple terms, title insurance is a policy of insurance that insures the title to real property. It is different from homeowner’s insurance, which… Read More »

HURRICANES, FLOODS AND HOMEOWNER’S INSURANCE COVERAGE AND EXCLUSIONS

As we pray for and render aid to those who have experienced the recent devastation brought forth by Hurricane Harvey, we begin to fear the threat of Irma whose uncertain path can keep it out to sea, or strike some yet unidentified portion of the East Coast. Florida appears particularly vulnerable right now. Those of… Read More »

HOSPITAL “OBSERVATION STATUS” REVISITED

Let me start by stating that recent laws have made some changes to this living nightmare, but the changes appear to be aesthetic only. First, the rule: Within 24-48 hours of entering the hospital, the doctor(s) must determine if you will be admitted as an inpatient (2 midnight rule); Once admitted as an inpatient, you… Read More »

DEFECTIVE PRODUCTS: Rights & Remedies for Injuries, Damages or Death

Many states, including Connecticut, have laws that spell out under what circumstances someone who suffers an injury or sustains damage to property may assert a product liability claim. The Connecticut statute provides that “A product liability claim…may be asserted and shall be in lieu of all other claims against product sellers…for harm caused by a… Read More »

BEWARE OF ER “OBSERVATION STATUS”

Traditionally, if you were relocated out of the emergency room (ER) to another room in the hospital and spent the night, you were considered “admitted” to the hospital. Unfortunately, that is no longer the case. You can be spending many nights at the hospital and still not be “admitted”. You may be classified as “observation… Read More »

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