A Champion for Homeowners

Jay Feinman, a distinguished professor at Rutgers Law School in CamdenWhen a homeowner suffers a loss and files a claim with their insurance company, companies often respond by raising the premium or refusing to renew the policy—a practice known as “use it and lose it.” Research by Jay Feinman, a distinguished professor at Rutgers Law School in Camden, as part of the Essential Protections for Policyholders legislative reform project, revealed that 18 states have no explicit protection against the practice. “Homeowners shouldn’t be penalized by their insurance companies because they actually use their insurance,” Feinman said. Essential Protections for Policyholders, a project of the Rutgers Center for Risk and Responsibility in cooperation with consumer organization United Policyholders, recommends that “use it and lose it” be restricted and suggests measures to help consumers when buying insurance and filing claims. For more information, visit epp.law.rutgers.edu.

Posted in: 2017 FALL, On Campus

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