Nobody can remember all the stuff they have accumulated and discarded during their lifetime. When a total fire loss happens, and there is nothing left other than charred remains and memories, many insurance companies add to the emotional trauma by not paying one penny towards the personal property loss until claims forms asking for a myriad of information about the lost personal property are provided.     Continue Reading Do policyholders Have to Fill Out Personal Property Inventory Forms Following a Total Loss?

The West Virginia Offices of the Insurance Commissioner regulate the state’s insurance industry. One way the OIC does this is by investigating consumer complaints against insurance companies, agents, and adjusters. If you think that your insurance claim or policy has been delayed, wrongly denied, deliberately underpaid, or improperly managed, you can file a complaint with OIC and request an investigation.
Continue Reading How to File a Complaint with the West Virginia Offices of the Insurance Commissioner

My last blog in the "Total Loss" series concentrated on the state of Virginia. This week, I am staying in the Appalachian Mountains and will focus on West Virginia. One historical tidbit about West Virginia–the state was formed during the American Civil War when it seceded from Virginia.1 I do not remember that from history class.Continue Reading What Constitutes a Total Loss in West Virginia?