Insurance Journal

APRIL 29, 2025

filed a libel suit against a whistleblower claims adjuster, the adjuster’s lawyer has pushed back, arguing that the suit is an attempt to silence those who question insurers’ damage estimates. Six weeks after Tampa-based Heritage Property & Casualty Insurance Co.

Casualty Insurance

The Property Insurance Law Observer

MARCH 20, 2025

Consequently, the plaintiff was not entitled to indemnity for damage to the property it purported to insure under a commercial property insurance policy. [1] During the policy term, the business claimed that the properties suffered damage caused by a hurricane and submitted a claim to the insurer.

Property Damage

Property Insurance Coverage Law

MAY 27, 2025

Westfield Insurance Company 1 shows how even well-intentioned policyholders can lose a flood insurance claim before their lawsuit ever begins. This case is not just about a technical legal loss.

Insurance Claim

Insurance Journal

JULY 14, 2025

for forcing him into arbitration over a 2024 damage claim dispute, claiming the process violates due process and equal protection rights. Stainton Williams, 92, contends the damage to his home … A Miami homeowner is suing Florida’s Citizens Property Insurance Corp.

Claim

Property Insurance Coverage Law

MAY 8, 2025

1 The ruling is a lesson that when it comes to insurance claims and litigation, it is not enough to argue about fairness or merely present repair invoices. … The post Why You Must Bring More Than Invoices: What Public Adjusters and Policyholders Must Learn About Proof of Damages appeared first on Property Insurance Coverage Law Blog.

Policyholder

Central Insurance

JUNE 18, 2025

Summer is peak season for home insurance claims—from storm damage to fire risks. The post 10 Summer Home Maintenance Tips to Help Prevent Insurance Claims appeared first on Central Insurance Blog. Use these 10 expert tips to protect your home and prevent surprises.

Insurance Claim

Property Insurance Coverage Law

FEBRUARY 15, 2025

Hurricane claims attorneys know that the estimate of damages caused by a storm is the foundation of every favorable judgment and jury verdict.

Property Damage

The Property Insurance Law Observer

MAY 20, 2025

Shortly after the Plaintiff purchased the Policy, the house was damaged by a fire. Plaintiff submitted a claim to the Insurer for the damage. These documents included a rough property damage estimate, an invoice for emergency response, photographs of fire damage, and partial bank records.

Claim

Insurance Journal

JUNE 27, 2025

paid out about $1 billion in claims for lightning-related damage in 2024, down 16.5% Insurers in the U.S. from the amount paid in 2023, according to the Insurance Information Institute (Triple-I). The tally was $1.04 billion in 2024 compared to …

Claim

Property Insurance Coverage Law

MARCH 2, 2025

State Farm policyholders should be aware of its companys water damage claims processes, as noted in State Farms Water Protocol. After reading the facts and allegations of a recent water claim denial, I would suggest they also should be concerned with alleged experts providing opinions about the cause of water losses.

Insurance Companies

Property Insurance Coverage Law

FEBRUARY 3, 2025

We have battled insurance companies, co-counseled on cases, and discussed property insurance case law at a depth most … The post Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim appeared first on Property Insurance Coverage Law Blog.

Damage

Insurance Journal

JUNE 1, 2025

A new task force has been formed to develop standards in California for insurance coverage and clean-up of smoke-damaged homes. California Insurance Commissioner Ricardo Lara announced the formation of a Smoke Claims & Remediation Task Force within the California Department …

Claim

Insurance Journal

JUNE 11, 2025

sued a group of lawyers, medical providers and rideshare drivers it claims staged car accidents, manufactured damages and received unnecessary medical procedures to take advantage of insurance policies in Florida, costing the rideshare giant “several million dollars” … Uber Technologies Inc.

Damage

Property Insurance Coverage Law

JULY 1, 2025

In a recent decision, 1 a federal judge noted the following in a Texas hail damage claim dispute: People in North Texas have at least a few common experiences between them: being disappointed in the Dallas Cowboys, losing Luka Dončić to the Lakers, and being in a hailstorm.

Claim

The Property Insurance Law Observer

JUNE 12, 2025

2025)), the Tenth Circuit Court of Appeals affirmed summary judgement on behalf of the insurer on the basis that the insurer did not act in bad faith when it denied the insured’s claim based on an engineering report that contradicted an adjuster’s initial findings. The adjuster concluded that the roof was, in fact, damaged by hail.

Damage

Insurance Journal

JUNE 15, 2025

Connecticut lawmakers have passed a measure to shift the cost of auto insurance arbitration hearings between claimants and insurers over damage claims to the insurance industry. Currently the department of insurance absorbs the average $3,075 cost to hold each of …

Claim

Property Insurance Coverage Law

FEBRUARY 22, 2025

How do insurance claims work when your home has already been damaged once? A recent Florida Office of Insurance Regulation (OIR) Bulletin clarifies how insurers must handle claims for multiple hurricanes. As Florida residents, we know that hurricane season can be relentless.

Policyholder

Property Insurance Coverage Law

JANUARY 24, 2025

Journalist Jack Healy of the New York Times wrote an article,Their Homes Are Intact, but the Fire Damage Inside Is Unbearable. Healy accompanied wildfire victims back to their homes after the event.

Claim

Property Insurance Coverage Law

APRIL 17, 2025

Following the devastating 2025 Los Angeles wildfires, claims professionals across the country are once again on the media and actual frontlines of a crisis that extends far beyond burned structures and blackened landscapes. The physical damage is immense, but the emotional toll on survivors runs deeper and lasts longer than most realize.

Claim

Property Insurance Coverage Law

JULY 24, 2025

When a hurricane hits, the damage is visible: torn roofs, flooded rooms, entire neighborhoods in shambles. That’s when the claims process begins. But what’s harder to see, and often more devastating, is what happens after the storm. And for far too many policyholders, that’s when the games begin.

Claim

Property Insurance Coverage Law

FEBRUARY 28, 2025

When a hurricane damages your home, you expect your insurance company to play fair. But what happens when insurers undervalue claims, drag out disputes, and then hide behind new laws to avoid accountability? Thats precisely what happened in Cindy Vo v.

Policyholder

Property Insurance Coverage Law

JULY 28, 2025

Motorists Mutual Insurance Company, 1 involved a commercial hail damage claim in Indiana, … The post Appraisers Can Decide Causation: A Victory for the Integrity of the Appraisal Process in Indiana appeared first on Property Insurance Coverage Law Blog. The case, Mesco Manufacturing, LLC v.

Property Insurance

Property Insurance Coverage Law

APRIL 17, 2025

Following the devastating 2025 Los Angeles wildfires, claims professionals across the country are once again on the media and actual frontlines of a crisis that extends far beyond burned structures and blackened landscapes. The physical damage is immense, but the emotional toll on survivors runs deeper and lasts longer than most realize.

Claim

Central Insurance

JUNE 4, 2025

Get tips on handling roof damage, filing a claim, and working with a contractor you can trust. The post What to Know About Insurance Roof Replacement After a Storm appeared first on Central Insurance Blog.

Damage

Property Insurance Coverage Law

FEBRUARY 28, 2025

When a hurricane damages your home, you expect your insurance company to play fair. But what happens when insurers undervalue claims, drag out disputes, and then hide behind new laws to avoid accountability? Thats precisely what happened in Cindy Vo v.

Policyholder

Property Insurance Coverage Law

MAY 6, 2025

Wright National Flood Insurance Company 1 highlights a harsh reality for policyholders seeking to recover under the National Flood Insurance Program (NFIP).Strict

Policyholder

Property Insurance Coverage Law

MARCH 16, 2025

Public adjusters, policyholders, and attorneys keep asking me about the recent California smoke damage case where the court held that the smoke damage was not covered under the policy.I wrote about that decision in California Wildfire Attorneys Consider Impact of New Smoke Caselaw.

Damage

Property Insurance Coverage Law

JUNE 19, 2025

1 At the center of the case was a dispute over how damages should be measured and presented to a jury when an insurer has outright denied coverage for a loss. The … The post Homeowners Can Claim Replacement Costs Even if Repairs Aren’t Done appeared first on Property Insurance Coverage Law Blog.

Claim

Property Insurance Coverage Law

MAY 3, 2025

In a recent federal case arising from a property damage claim, the court was asked to break … The post Why Did a Judge Select the Policyholders Umpire Over State Farms Nominees? Insurance disputes requiring appraisal make the selection of a neutral umpire a critical turning point.

Property Damage

Property Insurance Coverage Law

MARCH 26, 2025

Property insurance adjustersboth company-employed and independentserve as the backbone of the claims process, ensuring that policyholders receive the full benefits of their coverage as swiftly and fairly as possible.

Policyholder

Tosten Marketing

FEBRUARY 27, 2025

Water damage can wreak havoc on commercial properties, leading to costly repairs and business disruptions. Commercial property insurance water damage coverage is a complex topic with many nuances. What Water Damage Does Commercial Property Insurance Cover?

Commercial Property

Property Insurance Coverage Law

MARCH 26, 2025

Property insurance adjustersboth company-employed and independentserve as the backbone of the claims process, ensuring that policyholders receive the full benefits of their coverage as swiftly and fairly as possible.

Policyholder

Property Insurance Coverage Law

APRIL 16, 2025

When businesses think about protecting themselves from risk, they often focus on property damage, natural disasters, or customer lawsuits. However, one of the most damaging and often overlooked threats comes from within: employee theft.

Property Damage

Property Insurance Coverage Law

JUNE 19, 2025

1 At the center of the case was a dispute over how damages should be measured and presented to a jury when an insurer has outright denied coverage for a loss. The … The post Homeowners Can Claim Replacement Costs Even if Repairs Aren’t Done appeared first on Property Insurance Coverage Law Blog.

Claim

Property Insurance Coverage Law

MARCH 8, 2025

Wildfires are an unfortunate reality in California, and the recent Los Angeles wildfires have left behind more than just charred landscapestheyve also caused significant smoke damage to homes and businesses.

Claim

The Property Insurance Law Observer

FEBRUARY 25, 2025

However, the court granted summary judgment in favor of the insurer on the bad faith claim, emphasizing that a thorough investigation into a questionable claim does not amount to bad faith Background Spinnaker Insurance Company (Spinnaker) issued a homeowners policy to Donald Jackson (Jackson) for a designated residence premises.

Claim

Property Insurance Coverage Law

FEBRUARY 9, 2025

A Shift in Smoke Damage Claims Following Recent Holding California wildfire attorneys are closely analyzing a recent appellate court holding that sets a new precedent for smoke damage claims.1

Damage