Montana Issues Advisory Memorandum Regarding Loss Mitigation Claim Denials

MT | The Commissioner of Securities and Insurance, Office of the Montana State Auditor (“CSI”) has noticed a marked increase in consumers complaining that property and casualty insurers are engaging in unreasonable, after-the-fact adjusting of the mandatory, exigent mitigation these insurers require for claims such as water damage. This practice has increased over the last five years as fewer insurers provide on-site claims adjusters, thereby eliminating communication between homeowners, remediation contractors, and the insurer prior to or concurrent with the mitigation work.

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