Wildfires and Tornadoes and Floods, Oh My!

Understanding Which Natural Disasters Are Covered By Insurance

By Michael C. Perlmuter, JD, President & General Counsel

The 13 “Oz” novels written by L. Frank Baum regale readers with acts and images of fantastical fantasy.  The tornado lifting a farm house from its Kansas foundation and sent swirling into the atmosphere before dropping mercilessly on the Wicked Witch of the East is but one of the many creative interpretations presented in the 1939 movie adaptation of Baum’s series “The Wonderful Wizard of Oz.” The Munchkin coroner was among the first on the disaster scene, proclaiming the victim not “merely dead,” but…

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What Living Expenses Can I Recover from the Insurance Company?

ALE: Not Just a Beer

By Michael C. Perlmuter, JD, President & General Counsel

and Neal Novak, Regional Vice President

A fire severely damaged your home compelling you to move out while it is being repaired. You gather a few salvageable necessities and vacate the premises expecting your insurance policy to cover living expenses. Your insurance company says, “not so fast, buster” and directs you to the small print in the policy. Uh oh, you weren’t prepared for loopholes.

Hearing this, you drop the double-ply 30 gallon trash bag containing the few worldly possessions saved from the fire and as a result of…

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