By The Restoration HQ desk · · filed under Claims & Coverage
Are insurers underwriting risk, or underwriting your independence?
Two pieces argue carriers are structuring policies to discourage policyholder independence (representation, advocacy, outside help), while simultaneously condemning litigation funding publicly, even as some quietly insure it.
FORRead the policy's independence-limiting language before the loss, and you can protect your customer and your invoice at the same time.
AGAINSTCondemning litigation funding while insuring it is the tell, this was never about principle, it's about who can afford to fight.
Consensus vs. contrarianContrarian: the anti-PA endorsement wasn't a one-off, it's a category. Expect the same logic pointed at contractors next, get loud while it's still framed as somebody else's fight.
Sources Merlin Law Group, www.propertyinsurancecoveragelaw.com/blog/in… (); companion: www.propertyinsurancecoveragelaw.com/blog/in… ()
Terms in this story: Supplement