Source: https://www.propertyinsurancecoveragelaw.com/2018/01/articles/consumer-protection/claims-handling-requirements-by-state-delaware/
Timestamp: 2019-04-21 04:12:21+00:00

Document:
Our next stop as we tour the claims handling guidelines of the 50-states is the First state, Delaware. I have never spent a lot of time in Delaware but I do have a fondness for it. When I was young, I was fortunate enough to have a family home on the Delaware Bay about a mile from the Cape May Ferry. On a clear night, we could see the lights in Lewes, Delaware and I always imagined taking my little sunfish sailboat across the bay to visit (I never did).
It is clear that Delaware has some pretty tight guidelines within which insurance carriers must operate. This is good news for Delaware insureds facing property damage or business losses.
1 Del. Code Ann. title 18 ch 900 §902-1.2.1.1.
2 Del. Code Ann. title 18 ch 900 §902-1.2.1.2.
3 Del. Code Ann. title 18 ch 900 §902-1.2.1.3.
4 Del. Code Ann. title 18 ch 900 §902-1.2.1.4.
5 Del. Code Ann. title 18 ch 900 §902-1.2.1.5.
6 Del. Code Ann. title 18 ch 900 §902-1.2.1.6, 7 & 8.
7 Del. Code Ann. title 18 ch 900 §902-1.2.1.10.
8 Del. Code Ann. title 18 ch 900 §902-1.2.1.12.
9 Del. Code Ann. title 18 ch 900 §902-1.2.1.13.
It’s comforting to read that Delaware has regulations in place making insurance companies accountable to their insureds during the claims handling process. One less State to worry about that’s not stuck in the “stone ages” (i.e., not looking out for the Insureds).
Of course, any State could create additional regulations favoring the insured’s interests as there’s never enough “insured protection” in any State.

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