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The recent flooding in Asheville and across Western North Carolina has left many homeowners facing significant damage to their properties. For some, this devastation may have come without any warning, and the question on everyone’s mind is: what now? Whether…
As a lawyer representing property owners in property insurance claim disputes, one key process my clients sometimes encounter is insurance appraisal. Here’s an overview of what insurance appraisal is, how it works in North Carolina, who pays for what, the…
When property owners receive insurance claim proceeds after filing a claim with their property insurance company, a common question arises: Are these proceeds taxable? Understanding the tax implications of insurance claim proceeds is crucial for property owners to manage their…
When navigating the aftermath of property damage, homeowners often not only face the physical loss of their property but also significant emotional distress. This stress can be exacerbated by the way an insurance claim is handled. In North Carolina, the…
When a property insurance company goes out of business in North Carolina, policyholders with open claims may initially feel a wave of panic and uncertainty. The dissolution of an insurance company doesn’t mean that claims will be left unpaid; however,…
Property insurance is a critical safeguard for businesses, offering protection against a range of unforeseen events that could otherwise disrupt operations and financial stability. In North Carolina, as in other states, business interruption insurance plays a pivotal role in this…
Concurrent causation is a pivotal concept in understanding how to make proper property insurance claim coverage determinations under North Carolina law. This concept is crucial when evaluating insurance claims where multiple causes contribute to a loss. Some of these causes…
With the Blue Ridge Mountains to the west and the Atlantic Ocean to the east, North Carolina is home to many short-term rental properties, particularly those for vacationers. It is not uncommon, especially during hurricane season, for a property to…
The “Innocent Spouse Doctrine” in the realm of arson insurance claims holds particular significance in jurisdictions across the United States, including North Carolina. This doctrine can serve as a pivotal factor in determining the outcome of insurance claims where one…
Last October, North Carolina laws related to childhood sexual assault and abuse underwent a major overhaul when the General Assembly unanimously passed Senate Bill 199: The Sexual Assault Fast Reporting and Enforcement Act, or the SAFE Act. The SAFE Act…
