{"id":24317,"date":"2019-10-06T00:15:20","date_gmt":"2019-10-06T04:15:20","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=24317"},"modified":"2023-12-27T12:52:53","modified_gmt":"2023-12-27T17:52:53","slug":"insurance-coverage-gaps-an-increasing-insurance-crisis-which-needs-to-be-addressed-and-stopped","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/insurance-coverage-gaps-an-increasing-insurance-crisis-which-needs-to-be-addressed-and-stopped\/","title":{"rendered":"Insurance Coverage Gaps\u2014An Increasing Insurance Crisis Which Needs To Be Addressed and Stopped"},"content":{"rendered":"<p>Rutgers <a href=\"https:\/\/law.rutgers.edu\/directory\/view\/feinman\" target=\"_blank\" rel=\"noopener noreferrer\">Law Professor Jay Feinman<\/a> has written an excellent paper regarding <strong><em>insurance protection\u00a0gaps<\/em> <\/strong>(of which\u00a0<em>insurance gaps<\/em> are a\u00a0subset) involving residential structures: <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2023\/11\/Feinman_Protection-Gap-Introduction.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><em><strong>The Protection Gap in Homeowners Insurance: An Introduction<\/strong><\/em><\/a>. I recently mentioned this emerging issue in, <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2019\/09\/articles\/consumer-protection\/coverage-gaps-plague-policyholders-merlin-law-group-and-aapia-host-webinar-explaining-what-is-being-done-to-fight-this-problem\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Coverage Gaps Plague Policyholders! Merlin Law Group and AAPIA Host Webinar Explaining What Is Being Done To Fight This Problem<\/em><\/a>. <!--more--><\/p>\n<p>While this problem impacts all of us, his paper should be read by all involved with policy-making regarding insurance. His conclusion states:<\/p>\n<blockquote><p>The concept of a protection gap has become widespread in discussions about insurance. Addressing gaps and improving insurance requires clarity\u2014clarity about what is a protection gap, where protection gaps occur, and what are the causes and cures of protection gaps. This paper frames the discussion of those issues.<\/p>\n<p>One of the potentially significant features of discussion of protection gaps is that it may reshape debates about insurance and the positions of participants in those debates. Often discussion of insurance issues has resulted in predictable positions\u2014consumer advocates versus insurance companies, insurer-side coverage lawyers versus policyholders-side lawyers, and so on. A common thread in the protection gap discussion is that insurance consumers need to be better informed about their insurance, and if they are better informed, they will buy more insurance and better insurance, with \u201cmore\u201d and \u201cbetter\u201d likely coming at higher prices. In that way, the interests of policyholders and insurers converge for the greater social good.<\/p><\/blockquote>\n<p>I am a supporter of the insurance product and hope that policyholders purchase more insurance. I have repeatedly warned that we should not be purchasing nor promoting \u201ccheap\u201d insurance which has many gaps. An example of such is in an earlier post, <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2018\/08\/articles\/insurance\/do-not-be-fooled-by-farmers-ads-cheap-insurance-results-in-denied-claims\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Do Not Be Fooled By Farmers Ads\u2014Cheap Insurance Results In Denied Claims<\/em><\/a>.<\/p>\n<p>This coming Friday, October 11 at 12:30 EST, Merlin Law Group and <a href=\"http:\/\/www.aapia.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">AAPIA<\/a> will host an introductory <strong><a href=\"https:\/\/page.merlinlawgroup.com\/coverage-gaps-webinar\" target=\"_blank\" rel=\"noopener noreferrer\">30-minute webinar on the issue of coverage gaps<\/a><\/strong> and what can be done to stop this problem. Yours truly and attorney\u00a0<a href=\"https:\/\/www.kellissoffer.com\/attorneys-1.html\" target=\"_blank\" rel=\"noopener noreferrer\">Holly Soffer<\/a> will moderate this discussion. Rutgers insurance law <a href=\"https:\/\/law.rutgers.edu\/directory\/view\/feinman\" target=\"_blank\" rel=\"noopener noreferrer\">Professor Jay Feinman<\/a>, the author of <a href=\"http:\/\/delaydenydefend.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Delay, Deny, Defend<\/em><\/a> will have a guest video appearance about his work on the topic and what you can do to help.<\/p>\n<p><strong>Quote of The Day<\/strong><\/p>\n<p><em><strong>The only bowl Rutgers is going to is the one I just got off of.<\/strong><\/em><br \/>\n<em>\u2014Glenn Foley<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rutgers Law Professor Jay Feinman has written an excellent paper regarding insurance protection\u00a0gaps (of which\u00a0insurance gaps are a\u00a0subset) involving residential structures: The Protection Gap in Homeowners Insurance: An Introduction. I recently mentioned this emerging issue in, Coverage Gaps Plague Policyholders! Merlin Law Group and AAPIA Host Webinar Explaining What Is Being Done To Fight This&nbsp;<span class=\"ellipsis\">&hellip;<\/span><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[300,311],"tags":[214,188,4],"class_list":["post-24317","post","type-post","status-publish","format-standard","hentry","category-attorneys","category-industry-professionals","tag-aapia","tag-coverage","tag-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Coverage Gaps\u2014An Increasing Insurance Crisis Which Needs To Be Addressed and Stopped | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"October 6, 2019 Rutgers Law Professor Jay Feinman has written an excellent paper regarding 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Chip is a noted national authority on insurance bad faith, lecturing to national trade groups and publishing a number of papers and articles on the subject for organizations such as The American Association for Justice, The Florida Justice Association, The Windstorm Insurance Network, and Trial Magazine. As founder and president of Merlin Law Group, Chip has dedicated his practice to the representation and advocacy of insurance policyholders in disputes with insurance companies nationwide. Chip served as Chair for the Bad Faith Insurance Litigation Group and Secretary for the Fire and Property Insurance Litigation Group for the American Association for Justice (formerly known as the Association of Trial Lawyers of America). He was also Vice-Chair for the Subcommittee on Property Insurance Law for the American Bar Association. 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