Insurance Companies Must Show "Substantial Prejudice" to Deny Claims for a Failure to Comply With The Proof Of Loss Requirement


After the Station Fire of August 2009, 1440 policyholder lawsuits against Farmers Insurance Exchange were consolidated into one case - Henderson v. Farmers Group Insurance. For the policyholders whose claims were denied based on a failure to meet the policies' proof of loss deadline (usually within 60 days of a request by Farmers) - the Court of Appeal ruled that California's notice-prejudice rule applied.

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Published In: Insurance Updates