Do I have an ACV policy?

Insurance companies sometimes pull a surprise.  They tell an insured customer that their policy only covers the actual cash value, not the replacement cost value, of the property.  It’s an unpleasant surprise, but as always, the last word on whether the insurer is...

Appraisal in Wisconsin

Some disputes between property owners and insurers are litigated (court hearings and trials), while others are sent to an alternative forum. That alternative is appraisal, a process that I outline here. Years ago, the Wisconsin Legislature endorsed appraisal as an...