The Largest Wildfires in U.S. History
The largest wildfires in U.S. history burned millions of acres. These infernos destroyed entire communities and left survivors fighting insurance companies for years. Those survivors learned that making it through the actual fire is only half the battle. Trying to rebuild afterward can be extremely difficult, especially when insurers delay, underpay, or even deny legitimate claims. Here’s a glance at the fires that shaped modern wildfire risk, what they mean for homeowners insurance bad faith claims, and what to do if your claim starts going up in smoke. [...]
When “Claim Under Investigation” Is a Delay Tactic
A claim under investigation becomes a problem when it turns into a waiting game with no real answers. At first, that status sounds reasonable. Of course, the insurance company needs time to review things. But when weeks turn into months, and nothing actually moves forward, that’s when you start to feel stuck. And often, that’s the whole point. The longer your insurance claim status stays pending, the more pressure builds on you. Your bills are piling up. Repairs get delayed. Life doesn’t pause just because your claim is [...]
6 Tips for Dealing With a Homeowners’ Insurance Adjuster
Homeowners’ insurance is a product that is supposed to bring “peace of mind" to the policyholder. You know if you suffer any type of damage, you’ll be reimbursed; at least that is what is supposed to happen. Before you receive any compensation, an insurance adjuster will have their say. Every claim made by a policyholder will have an insurance adjuster assigned to assess the damage and determine the value of the reimbursement. That makes the adjuster the proverbial gatekeeper between you and your settlement. What happens if the [...]
Can an Insurer Cancel Your Policy Without Warning?
An insurance policy is a contract. As such, the insurance company and the policyholder are bound by what the contract stipulates with regard to making premium payments, coverage conditions, benefits, and notifications. The policy will also detail the cancellation rules. That means that, yes, an insurer can cancel your policy without warning, provided the policy allows for that. If that insurer steps out of bounds of their contract, they could be liable for acting in bad faith. That is a scenario that could entitle you to seek compensation [...]
How Often Are Disability Claims Wrongfully Denied?
Disability claims get denied more often than most folks may expect. While there isn’t a perfect national statistic that tells us exactly how many claims are wrongfully denied, the overall denial rates show just how frequently people hit roadblocks when trying to access benefits they believe they deserve. For example, Social Security disability applications are denied about two-thirds of the time at the initial stage. Private disability insurance claims have similar patterns. That doesn’t mean every denial is wrongful, but it does show how common it is for [...]
The Hidden Role of Independent Medical Exams in Insurance Denials
There are many state and federal programs designed to help folks who have challenges with taking on a job. Sometimes these disabilities are from genetic predisposition. For some, an injury, on or off the job, prevents them from returning to gainful employment. In any of those situations, the person who can’t work can apply for disability benefits. This is where the concept of independent medical exams comes into play. Unfortunately, these exams could also result in a denial of benefits. Are Independent Medical Exams Common? Yes. If you [...]
The Nevada Independent Quotes Matt Sharp on Controversial Nevada Insurance Bill
This story was originally published January 18, 2026 by The Nevada Independent. The Nevada Independent recently featured commentary from founder Matt Sharp regarding Nevada's new and controversial insurance legislation, AB376, which took effect on January 1st. Sharp, who has represented dozens of clients affected by wildfire, raised concerns about the new law's impact on consumer protections. The legislation allows insurance companies to carve wildfire coverage out of standard homeowner policies, making Nevada the first state to implement such a measure. "Insurance is important to the public trust because [...]
How Nevada Courts Look at Punitive Damages in Insurance Bad Faith
Dealing with an insurance company that refuses to pay a valid claim can feel like hitting a brick wall. You’ve been paying your premiums faithfully, only to find yourself arguing with the very company that promised to have your back. In Nevada, when an insurer’s conduct goes beyond mistakes and edges into outright wrongdoing, courts can award punitive damages. These are not just about money. They are meant to send a clear message: bad behavior won’t be tolerated. What Does Insurance Bad Faith Mean? Insurance bad faith occurs [...]
What You Need to Know About Reservation of Rights Letters in Nevada
Liability insurance is a lot like a prenuptial agreement. You sign a prenup without the intention of getting a divorce, but if that happens, your assets are protected. With liability insurance, you don’t plan to get into an accident or have someone hurt at your business, but in case that happens and you are to blame, a liability policy will provide compensation for the injured party. At least, that’s how it should go unless you receive a Reservation of Rights Letter. In simple terms, a Reservation of Rights [...]
Evidence Needed to Prove an Insurance Bad Faith Claim
When an insurance company fails to uphold its end of the bargain, policyholders may have the right to file a bad faith claim. In Nevada, insurance bad faith occurs when an insurer unreasonably delays, denies, or underpays a legitimate claim without proper justification. Bad faith cases don't just hinge on whether the insurer was wrong, they depend on showing that the company acted without a reasonable basis. Proving this requires specific evidence demonstrating the insurer's conduct crossed the line. The burden of proof falls on you (the claimant), [...]
