{"id":2416,"date":"2013-12-16T06:37:23","date_gmt":"2013-12-16T13:37:23","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=2416"},"modified":"2013-12-10T15:37:45","modified_gmt":"2013-12-10T22:37:45","slug":"another-outrageous-insurance-claim-denial-peoples-trust-insurance-company-part-ii","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/another-outrageous-insurance-claim-denial-peoples-trust-insurance-company-part-ii\/","title":{"rendered":"Another Outrageous Insurance Claim Denial by People’s Trust Insurance Company, Part II"},"content":{"rendered":"

Nicole Vinson – December 7, 2013<\/p>\n

You don\u2019t have to have a law degree or be an insurance guru to see through one of the recent arguments People\u2019s Trust has been\u00a0using when denying insurance claims. Buying insurance with People\u2019s Trust is very different than the way insurance is purchased with other Florida carriers. The basic process is different because People\u2019s Trust doesn\u2019t require policyholders to fill out or sign an application for insurance but then argues that the homeowner lied on the \u201cinsurance application\u201d and the coverage is void! When an insurance company alleges someone has lied on an application, the insurance company should be required to produce the form with that insured\u2019s signature, but People\u2019s Trust has had no written application to produce for these \u201cverbal sales call\u201d policies.<\/p>\n

Now, it should be noted that different companies can vary how they handle the application process for homeowner insurance, but People\u2019s Trust has taken all the standard expectations and thrown them out the window. At its inception, People\u2019s Trust wasn\u2019t even using licensed insurance agents to field the \u201csales calls\u201d \u2013 but now it promises that it has changed its ways.1<\/p>\n

Here is what policyholders are telling about their experience with People\u2019s Trust<\/p>\n

Expensive premium bill comes from current insurance company.<\/p>\n

Homeowners are concerned and start thinking about ways to save on insurance.<\/p>\n

Giant, glossy marketing material comes in the mail that asks something like, \u201cdon\u2019t we all have something better to spend our money on than high home owners insurance premiums?” This week\u2019s flyer also promises \u201cGreat Affordable Rates\u201d and says to call \u201cyour trusted agent today and see how much you can save\u201d.<\/p>\n

Homeowner calls the 1-800 number and thinks he or she is getting an insurance coverage quote. Agent does not disclose that this phone call will be considered the complete insurance policy application process.<\/p>\n

People\u2019s Trust may or may not record the call, or may or may not save the recording.<\/p>\n

People\u2019s Trust does not print out a summary of the information received in order to have the applicant check it for accuracy. People\u2019s Trust does not email any forms to the applicant.<\/p>\n

In fact, no document\/application is ever signed.<\/p>\n

No document or copy of the \u201capplication\u201d is ever provided to the homeowner, or the spouse who was not on the phone to check for accuracy. This means the applicant can\u2019t check the accuracy of the statements after reading the application questions nor can the applicant verify that the agent correctly noted the information.<\/p>\n

People\u2019s Trust\u2019s agents have no way to review the words that were said by the applicant (or play back the recording) if they misunderstood or failed to catch something the insured was saying during the telephone call.2 (I guess these superhuman licensed agents don\u2019t make mistakes.)<\/p>\n

Homeowner\u2019s quote is given and can be transformed into a policy if the homeowner likes the rate.<\/p>\n

When People\u2019s Trust lost their appeal on the Roddy3 case in November, the court opinion spelled out that People’s Trust could not provide a signed written insurance application, did not have a recording of the telephone conversation to proffer, and the agent\u2019s testimony was that she did not remember even speaking with the insured.<\/p>\n

Why are Florida\u2019s CFO and the Office of Insurance Regulation allowing People\u2019s Trust to sell insurance in this way? People\u2019s Trust has an application form with signature lines of policyholders that it was required to submit for approval, but its not being used by the phone agents. Not allowing or requiring the insured to even see what the agent is putting on the form is outlandish. The regulators need to take a stand and realize that this unorthodox way of selling insurance with a verbal phone call may be saving People’sTrust money but it dupes policyholders.<\/p>\n

There also seems to be a trend with People\u2019s Trust is that they use this argument with devastating fire losses. Playing this application misrep card gets them out of paying for additional living expenses, personal property damage, and building repairs. If this situation sounds similar to something you are facing, hiring an experienced first-party property attorney is crucial.<\/p>\n

1 See the March 5, 2009 Order to Show Cause that details the unlicensed activity of People\u2019s Trust.<\/p>\n

2 Mark Bowsher, the Chief Underwriting Officer since March 2011, testified to this in the case of Harrison v. People\u2019s Trust Insurance Company.<\/p>\n

3 People’s Trust Ins. Co. v. Roddy, No. 4D12-4456 (Fla. 2d DCA Nov. 20, 2013).<\/p>\n

via Another Outrageous Insurance Claim Denial by People’s Trust Insurance Company, Part II : Property Insurance Coverage Law Blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Nicole Vinson – December 7, 2013 You don\u2019t have to have a law degree or be an insurance guru to see through one of the recent arguments People\u2019s Trust has been\u00a0using when denying insurance claims. Buying insurance with People\u2019s Trust is very different than the way insurance is purchased with other Florida carriers. The basic… Continue reading Another Outrageous Insurance Claim Denial by People’s Trust Insurance Company, Part II<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[94,3],"class_list":["post-2416","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-florida","tag-insurance-claims","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nAnother Outrageous Insurance Claim Denial by People's Trust Insurance Company, Part II - Advise & Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/another-outrageous-insurance-claim-denial-peoples-trust-insurance-company-part-ii\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Another Outrageous Insurance Claim Denial by People's Trust Insurance Company, Part II - Advise & Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Nicole Vinson – December 7, 2013 You don\u2019t have to have a law degree or be an insurance guru to see through one of the recent arguments People\u2019s Trust has been\u00a0using when denying insurance claims. 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