New Hampshire Code of Administrative Rules
Ins - Commissioner, Insurance Department
Chapter Ins 1000 - CLAIM SETTLEMENT
Part Ins 1002 - CLAIM SETTLEMENT FOR PROPERTY AND CASUALTY INSURANCE
Section Ins 1002.16 - Willing and Able Contractors and Repairers; Other Than Motor Vehicle
Current through Register No. 12, March 21, 2024
(a) Every settlement offer that is based upon an appraisal conducted on behalf of the insurer relative to property and liability insurance shall:
(b) The insured or claimant shall be entitled to the usual and customary guarantees as to materials and workmanship relative to the property that is being repaired or replaced.
(c) In processing any claim for damage to a home, dwelling, or other property, the insurer shall not require as a condition to the payment of such claims that repairs be made by a particular contractor or repairer.
(d) Any settlement made based upon an agreement negotiated by an adjuster on behalf of the insurer with a contractor or repairer shall include a provision for coverage of hidden damage that is determined to be connected with the claim in question.
(e) For all claims, insurers and their adjusters, whether hired under contract or employed, shall not make any coercive, threatening, or intimidating statements at any time, orally or in writing, to an insured or claimant for the purpose of influencing the insured's or claimant's choice of a particular contractor or repairer.
(f) In addition to the above requirements, every settlement made or offered by the insurer to repair or replace damaged jewelry, watches, precious, or semi-precious stones, under applicable property insurance, shall comply with the provisions of Ins 1002.18.
#8900, eff 7-1-07; amd by #9495, eff 6-29-09