<?xml version="1.0" encoding="utf-8"?>
<?xml-stylesheet type="text/xsl" href="https://rackohn.com/wp-content/plugins/google-sitemap-plugin/sitemap.xsl"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://rackohn.com/under-california-law-policy-holders-are-legally-entitled-to-allege-promissory-fraud-in-insurance-bad-faith-cases/</loc>
    <lastmod>2017-08-17T02:14:19+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/under-an-open-homeowner-insurance-policy-actual-cash-value-for-contents-is-cost-to-repair-rebuild-or-replace-less-depreciation/</loc>
    <lastmod>2017-08-08T02:02:31+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/under-california-law-plaintiffs-are-legally-entitled-to-allege-promissory-fraud-in-insurance-bad-faith-cases/</loc>
    <lastmod>2017-08-05T19:33:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/colonial-life-discovery-in-a-bad-faith-case/</loc>
    <lastmod>2017-08-03T03:41:10+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/under-your-homeowners-insurance-policy-may-cover-contractors-negligence-even-if-an-exclusion-applies-for-earth-movement/</loc>
    <lastmod>2017-07-29T16:54:50+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/the-standard-fire-insurance-policy-requires-actual-cash-value-for-damaged-property-at-the-time-of-loss/</loc>
    <lastmod>2017-07-22T18:22:11+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/financial-abuse-of-an-elder-is-when-an-insurance-company-wrongfully-misappropriate-funds-owed-to-someone-over-the-age-of-65/</loc>
    <lastmod>2017-07-21T03:27:02+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/in-california-under-a-standard-commercial-property-owners-policy-provides-for-coverage-to-tenant-improvements-and-betterments/</loc>
    <lastmod>2017-07-18T03:14:43+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/in-california-your-insurance-company-has-a-right-to-rescind-your-insurance-policy-as-if-it-never-existed/</loc>
    <lastmod>2017-07-14T04:18:10+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/in-california-the-statute-of-limitations-on-your-breach-of-the-covenant-of-good-faith-and-fair-dealing-begins-to-run-when-the-breach-occurs/</loc>
    <lastmod>2017-07-09T17:17:15+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/in-california-a-prerequisite-to-receiving-insurance-benefits-under-a-homeowners-policy-is-to-submit-to-an-examination-under-oath/</loc>
    <lastmod>2017-07-08T03:31:26+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/california-law-requires-your-insurance-company-to-provide-notice-of-cancellation-of-your-auto-policy/</loc>
    <lastmod>2017-07-06T03:10:58+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/primary-difference-between-an-insurance-agent-and-brokers-in-california/</loc>
    <lastmod>2017-07-03T19:12:10+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/under-california-law-a-policyholder-can-recover-emotional-damage-against-an-insurance-company-for-wrongfully-withholding-insurance-benefits/</loc>
    <lastmod>2017-07-02T01:27:45+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/california-law-policyholders-are-legally-entitled-to-seek-punitive-damages/</loc>
    <lastmod>2017-06-30T02:22:01+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/california-law-requires-your-insurance-company-to-provide-notice-of-any-changes-to-your-renewal-policy/</loc>
    <lastmod>2017-06-27T03:23:52+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/in-california-you-must-have-an-insurable-interest-in-the-property-insured-to-recovery-on-your-claim/</loc>
    <lastmod>2017-06-24T22:22:58+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/under-california-law-your-insurance-company-has-duty-to-defend-you-if-your-business-has-been-served-with-a-lawsuit-if-there-is-a-potential-for-coverage/</loc>
    <lastmod>2017-06-21T03:16:41+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/in-california-the-ultimate-test-for-bad-faith-is-withholding-benefits-without-proper-cause/</loc>
    <lastmod>2017-06-18T20:06:05+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/california-statute-limitations-on-bad-faith-claim-is-controlled-by-policy-provision/</loc>
    <lastmod>2017-06-13T03:55:17+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/california-law-allows-an-insured-who-relies-on-representations-from-the-insurance-company-tolls-the-statute-of-limitations/</loc>
    <lastmod>2017-06-10T16:46:14+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/wrongful-denial-of-insurance-benefits-based-on-a-biased-investigation/</loc>
    <lastmod>2017-06-07T03:55:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/wrongful-denial-of-damages-caused-by-a-broken-water-pipe-based-on-the-wear-and-tear-exclusion/</loc>
    <lastmod>2017-06-05T01:39:18+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/notice-of-claim-more-than-30-days-after-loss-to-the-insurance-company-is-not-grounds-to-deny-your-claim/</loc>
    <lastmod>2017-06-03T01:58:10+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/mercury-insurance-company-responsible-for-punitive-damages-for-failing-to-pay-insurance-claim/</loc>
    <lastmod>2017-06-01T04:07:05+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/broken-water-main-claims/</loc>
    <lastmod>2017-05-31T01:08:24+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/broken-water-main-claims-your-right-to-recover-your-damages/</loc>
    <lastmod>2017-05-31T03:33:43+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/insurance-brokers-that-hold-themselves-out-as-specialists-in-income-property-are-responsible-for-not-obtaining-the-right-policy/</loc>
    <lastmod>2017-05-29T18:28:03+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/insurance-appraisal-is-not-the-same-as-arbitration-and-do-not-have-the-same-binding-effect-on-the-parties/</loc>
    <lastmod>2017-05-28T03:10:44+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/when-you-are-entitled-to-discover-of-other-insureds-claims-files/</loc>
    <lastmod>2017-05-26T03:02:41+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/the-motor-vehicle-exclusion-does-not-always-prevent-coverage-when-there-is-coverage-for-the-accident-under-the-homeowners-policy/</loc>
    <lastmod>2017-05-24T03:41:16+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/there-may-be-insurance-coverage-when-the-pipe-breaks-outside-your-house-or-dwelling/</loc>
    <lastmod>2017-05-21T19:46:43+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/equitable-tolling-is-an-exception-to-the-govt-claims-statute-that-requires-filing-of-a-lawsuit-within-six-months-of-a-denial-letter/</loc>
    <lastmod>2017-05-19T02:35:35+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/your-insurance-company-has-a-duty-not-to-withhold-insurance-benefits-that-are-due-and-owing-to-you/</loc>
    <lastmod>2017-05-16T02:53:50+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/wrongful-denial-of-insurance-claim-by-your-insurance-company-for-water-loss-caused-by-a-broken-sewer-pipe/</loc>
    <lastmod>2017-05-13T23:46:12+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/your-insurance-company-must-refrain-from-wrongfully-denying-your-insurance-claim/</loc>
    <lastmod>2017-05-12T02:15:07+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/does-the-insurance-companys-assignment-clause-prevent-coverage-for-a-loss/</loc>
    <lastmod>2017-05-10T04:33:31+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/your-insurance-company-has-a-duty-to-investigate-your-sewer-pipe-claim/</loc>
    <lastmod>2017-05-08T02:40:20+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/your-homeowners-insurance-policy-provides-coverage-from-losses-caused-by-a-broken-pipe/</loc>
    <lastmod>2017-05-05T02:36:15+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/your-insurance-company-has-a-duty-to-defend-you-against-lawsuits-that-are-potentially-covered-under-your-policy/</loc>
    <lastmod>2017-05-02T01:53:18+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/your-insurance-agent-or-brokers-failure-to-obtain-the-type-of-insurance-requested-maybe-actionable-negligence/</loc>
    <lastmod>2017-04-29T20:07:20+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/you-dont-have-to-accept-your-insurance-company-denying-your-water-loss-claim/</loc>
    <lastmod>2017-04-28T03:58:36+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/you-dont-have-to-accept-your-insurance-companys-evaluation-of-your-property-damage-claim/</loc>
    <lastmod>2017-04-28T04:00:33+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/in-california-unless-the-insured-intentionally-started-a-fire-arson-it-is-not-excluded-under-your-fire-policy-unless-arson-is-defined-as-a-form-of-vandalism/</loc>
    <lastmod>2017-04-28T04:03:16+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/you-dont-have-to-accept-your-insurance-companys-decision-to-deny-a-fire-claim-caused-by-arson-under-the-vacancy-exclusion-contained-in-your-fire-policy/</loc>
    <lastmod>2017-04-28T04:06:08+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/arson-is-not-vandalism-under-california-law-unless-your-fire-insurance-policy-defines-arson-as-a-form-of-vandalism/</loc>
    <lastmod>2017-04-28T04:07:53+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/farmers-insurance-must-exclude-arson-as-a-form-of-vandalism-in-policy/</loc>
    <lastmod>2016-04-18T19:10:57+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/farmers-insurance-fire-arson-claims/</loc>
    <lastmod>2015-06-22T00:35:14+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/homeowners-claims-not-getting-paid/</loc>
    <lastmod>2014-01-21T17:41:25+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/insurance-claims-pleading-punitive-damages-under-california-law-in-federal-court/</loc>
    <lastmod>2013-12-17T18:24:03+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/dont-settle-for-less-on-your-homeowners-insurance-claims/</loc>
    <lastmod>2013-11-25T23:41:06+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/wrongful-death-claims/</loc>
    <lastmod>2013-11-20T18:27:53+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/slip-and-fall-claims/</loc>
    <lastmod>2013-11-20T18:27:48+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/injuries-caused-by-dangerous-product/</loc>
    <lastmod>2013-11-20T18:32:31+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/motorcycle-claims/</loc>
    <lastmod>2013-11-20T18:27:44+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/dog-bite-claims/</loc>
    <lastmod>2014-02-25T05:48:27+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/burn-injury-claims/</loc>
    <lastmod>2013-11-20T18:26:31+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/brain-injury-claims/</loc>
    <lastmod>2013-11-20T18:26:27+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/auto-accident-claims/</loc>
    <lastmod>2013-11-20T18:26:23+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/personal-injury/</loc>
    <lastmod>2017-05-30T03:02:48+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/</loc>
    <lastmod>2014-02-25T04:41:39+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/elderly-abuse-insurance-claims/</loc>
    <lastmod>2013-11-07T18:53:16+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/water-damage-claims/</loc>
    <lastmod>2013-11-07T18:54:31+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/vandalism-claims/</loc>
    <lastmod>2013-11-07T18:54:42+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/fire-claims/</loc>
    <lastmod>2013-11-07T18:53:28+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/condominium-insurance-claims/</loc>
    <lastmod>2013-11-07T18:53:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/rental-insurance-claims/</loc>
    <lastmod>2013-11-07T18:54:15+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/homeowners-insurance-claims/</loc>
    <lastmod>2013-11-07T18:53:50+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/commercial-insurance-claims/</loc>
    <lastmod>2013-11-07T18:52:49+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/business-insurance-claims/</loc>
    <lastmod>2014-02-25T04:42:20+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/testimonials-insurance-bad-faith-attorneys/insurance-failure-to-pay-theft-loss/</loc>
    <lastmod>2013-10-20T04:17:38+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/expertise/insurance-claims-denied/</loc>
    <lastmod>2013-11-07T18:57:12+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/testimonials-insurance-bad-faith-attorneys/farmers-insurance-wrongful-claim-denial/</loc>
    <lastmod>2015-10-13T06:05:43+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/vandalism-vacancy/</loc>
    <lastmod>2013-11-16T05:52:36+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/rackohn-insurance-claims-welcome/</loc>
    <lastmod>2013-10-18T05:35:17+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/blog-insurance-bad-faith-law/</loc>
    <lastmod>2013-10-18T05:34:56+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/testimonials-insurance-bad-faith-attorneys/</loc>
    <lastmod>2013-10-18T04:24:37+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/contact-us/</loc>
    <lastmod>2017-05-04T03:39:33+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/about-insurance-bad-faith-attorneys/</loc>
    <lastmod>2014-02-25T04:21:25+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://rackohn.com/</loc>
    <lastmod>2024-06-07T00:36:52+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1</priority>
  </url>
</urlset>
