Tag: Lloyd’s of London

A local Ohio hotel’s storm claim exposed a complex issue in insurance litigation — discovering that the insurer, was actually a group of about 20 underwriting companies. The discovery reveals that each entity might need to be named as a defendant, creating a costly and difficult case to manage. This article examines whether public adjusters have a duty to research an insurer’s business structure, or if that responsibility lies with the Policyholder/Agent. It also explores the practical implications of continuing litigation when recovery is limited and costs are high. The takeaway: understanding who truly stands behind the policy is essential before a claim ever reaches court.