What’s Left in Hurricane Dorian’s Wake

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Hurricane Dorian Headed for Southeast

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What is the Outlook for Hurricane Season in 2019?

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Analyzing the Notre Dame Cathedral Disaster From an Insurance Loss Perspective

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We Were Hacked and My Employee Wired Money to a Third Party.

Am I Covered By My Insurance Policy?
(Part 2)

By: Michael Perlmuter, J.D.  (Chief Executive Officer and General Counsel)
Alex N. Sill Company, LLC
North America’s Leading Public Adjuster and Loss Consultant

My last BLOG, published in January 2019, addressed the above question: Does a company have coverage if, under false pretenses, an unsuspecting employee wires funds to a third party? The BLOG was well read and obviously the topic remains of significant interest based on the number of lookalike cases triggering lawsuits and the inconsistency in court rulings.

I didn’t plan on penning a second article about the issue of insurer’s responsibility with claims…

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Will Business Insurance Cover Hackers and Fraudulent Schemes?

Will Insurance Cover Your Business Loss If an Unsuspecting Employee Follows a Hacker’s Fraudulent Scheme and Wires Company Funds to a Third Party?

By Michael C. Perlmuter, JD
President and General Counsel of the Alex N. Sill Company, LLC

I was hacked! Figuratively, that is, my computer and not physically. Hard to tell which is a worse fate.

In pre-computer days, one of our worst nightmares was getting held up for our wallets. It was our “money or our lives.” Usually, the perps wanted our cash and credit cards. Assuming we were not physically harmed, this was a nightmare with “limitations.” All we…

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Insurance Coverage for Vandalism, But Not Theft

Catch 22 or Paradox? Stay Tuned!

By Michael C. Perlmuter, JD
President and General Counsel of the Alex N. Sill Company, LLC

We received such positive feedback from readers of our first “war story” described in the August 2, 2018 BLOG (Good Guys Win the Battle: A Recent Property Insurance Settlement War Story), we decided to follow that one with another report from the trenches on a timely topic. However, as the issue we are about to describe is a current matter, we are characterizing it conceptually as a paradoxical insurance coverage issue rather than an existing claim.

This BLOG is about…

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How to Get the Maximum Insurance Payout from Hurricane Michael and Other Storm Claims

Michael, the Hurricane, No Florence!


Michael, the Perlmuter, Explains Why and How Alex. N. Sill Can Get You Max Insurance Payout from Storm Claims

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

I spent much of yesterday, including last night and then into the early hours of today, Day 2 of Hurricane Michael, watching the damage inflicted on Florida’s panhandle, elsewhere along the Gulf Coast and then deep into Georgia. Your powerful winds have taken a severe toll in Panama City, Panama City Beach, Mexico Beach, and communities nearby.

My focus has been no less as I have tracked the devastation, following…

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A Recent Property Insurance Settlement War Story

Good Guys Win the Battle:
A Recent Property Insurance Settlement War Story

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

I think you will both benefit and enjoy the following war story which is a departure from my usual information-driven blog. This true story, about a recent insurance claim adjusted by the Alex N. Sill Company, accurately illustrates what a typical business owner/insured is faced with following a covered insurance event. The insured could have been in any business of any size and the insured any insurer. The important takeaway is the typical manner in which the insurer attempted to stonewall…

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Appraisal as an Insurance Policy Remedy

“I Don’t Agree With My Insurance Company’s Damage Offer, Now What?”

Appraisal as an Insurance Policy Remedy

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

The insurer says, “Okay,” presenting you the workup of a damage estimate and hoping the amount will pass the blink test. But the number isn’t all right with you.

You have tried in good faith to resolve your insurance claim for the significant damage to your business, residential real estate or personal property, but the insurance company offered $x and you want/need/deserve and are actually insured for $x-plus-plus-plus!

What next?

Do you have to accept what your insurer offers?

Or,…

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