In the recent case of Mankoff v. Privilege Underwriters Reciprocal Exchange, the ambiguity of terms in an insurance policy underscored the importance of clarity when it comes to coverage. At Property Owner Advocates, we’re your dedicated team of Public Adjusters helping you make sense of your policy and ensuring you receive the fair compensation you deserve for your claims. Read more about this court ruling below.
Article Summary
In the case of Mankoff v. Privilege Underwriters Reciprocal Exchange, the court found the term “windstorm” in the insurance policy to be ambiguous after the insureds suffered property damage from a tornado.
Relying on the policy’s “Windstorm or Hail Deductible,” the insurance company paid only a portion of the claim.
The court considered the common meaning of “windstorm” and examined various sources, including an Encyclopedia Britannica definition and expert meteorologist testimony, which distinguished tornadoes from windstorms.
The insurer argued that previous cases and dictionary definitions supported their stance.
The Takeaway
The court concluded that the term was reasonably open to multiple interpretations, deeming it ambiguous. This case underscores the importance of explicit definitions in insurance policies to avoid conflicting interpretations and potential litigation.
How To Get Paid Fairly For Your Insurance Claim
If you’ve ever found yourself questioning the language in your insurance policy or faced challenges with a claim, you’re not alone.
Our team of experts specialize in breaking down the complex insurance jargon and optimizing your property insurance claim.
Whether it’s understanding deductibles, navigating ambiguous terms like “windstorm,” or simply seeking clarity on your coverage, we are the property insurance claim experts you need.
Why Choose A Public Adjuster For Your Claim?
- Expert Guidance: Our seasoned professionals bring years of experience and industry knowledge to the table.
- Personalized Service: We understand that every claim is unique, and we tailor our approach to meet your claim’s specific needs.
- Maximum Compensation: Our goal is to ensure you receive the fair and reasonable compensation you deserve for your property damage.
If you have questions about your policy, concerns about ambiguous terms, or need assistance with a property insurance claim, reach out to us.
Our team is ready to provide you with all of the guidance and support you need to get the fair claim settlement you deserve.
Your Next Step: Reach Out to Us! Don’t let uncertainty linger – take control of your insurance matters today.
Source: JDSupra. (2024, February 14). Court Finds Policy Term, “Windstorm,” to be Ambiguous in Coverage Dispute Involving Tornado. JDSupra.