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.

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Property Damage Damage Property Insurance Claim 193

Insurance Journal

OCTOBER 11, 2024

Insurance agents and carriers in the path of Hurricane Milton reported only minor damage to their own offices and homes but a rapidly growing number of claims from residential and commercial policyholders for roof, flood and auto damage. The Florida …

Damage 289

Damage Agents Claim Policyholder 289

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.

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Damage Insurance Policy Claim Insured 275

Property Insurance Coverage Law

SEPTEMBER 30, 2024

The investigative report featured testimony from whistleblowers who claim that insurance companies deliberately altered hurricane damage reports to underpay homeowners, leaving many Floridians struggling to rebuild their lives in the wake … The post CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage (..)

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Insurance Companies Damage Claim Property Insurance 306

Insurance Journal

SEPTEMBER 15, 2024

Looking back at my Insurance Journal columns over the past 5 years, I found that I wrote at least one column a year about water damage claims. So, before this year runs out, I guess it’s time for another, especially …

Damage 238

Damage Claim Insurance Insured 238

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.

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Insurance Companies Damage Policyholder Property Insurance 154

Insurance Journal

DECEMBER 2, 2024

With multiple hurricanes rocking Florida and other parts of the Southeast this year, claims professionals have said they are seeing a trend toward “soft fraud,” with more policyholders attempting to include older or unrelated damage in recent storm claims, and …

Damage 264

Damage Claim Policyholder Risk 264

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.

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Property Damage Damage Insured Insurer 130

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.

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Claim Damage Property Damage Policy 130

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.

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Damage Claim Policyholder Property Insurance 100

Insurance Journal

OCTOBER 14, 2024

Damage to private property from Iran’s recent missile barrage on Israel amounted to 150 million to 200 million shekels ($40 million to $53 million), according to figures provided by Israel’s tax authority, making it the costliest since the start of …

Damage 305

Damage Insurance Claim Claim Insured 305

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 130

Claim Damage Insurance Insured 130

Insurance Journal

JANUARY 22, 2025

million in claimed business income losses after a building fire damaged almost 1,000 of its marijuana plants and shuttered one of its “flowering” rooms. A cannabis growing company has lost its bid to have its insurer cover $1.3 A federal …

Damage 246

Damage Claim Building Business Interruption 246

Property Insurance Coverage Law

SEPTEMBER 16, 2024

A federal judge ruled last week that policyholders eventually have to “put up or shut up” when it comes to proving that certain interior damages caused by a storm must be the result of damage to the exterior of a building, allowing water to damage the interior of a building.

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Damage Claim Policyholder Building 203

Insurance Journal

JUNE 12, 2025

From North Carolina to Florida, insurance fraud investigators have been busy the last few weeks, leading to the arrests of firefighters, alleged auto-crash stagers, and a man who reportedly filed a claim after his car killed a pedestrian. In Mooresville, …

Claim 278

Claim Damage Insurance Insured 278

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.

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Damage Claim Policyholder Property Insurance 100

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.

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Claim Property Insurance Damage Insurance 203

Insurance Journal

SEPTEMBER 3, 2024

Three insurers that paid more than $1 million in auto and property damage claims to a New York couple and their homeowners association are attempting to recover the payments from the giant car maker and local dealership. The claims stemmed …

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Damage Property Damage Claim Insured 278

Insurance Journal

SEPTEMBER 19, 2024

Live Nation Entertainment has asked a federal judge in New York to dismiss several states’ claims that the live event promoter harmed event-goers by stifling competition with its ticket-selling arm, Ticketmaster. Live Nation seeks to dismiss part of the lawsuit …

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Claim Damage General Liability Liability 255

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

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Damage Property Insurance Claim Insurance 196

Insurance Journal

SEPTEMBER 26, 2024

As Hurricane Helene gains strength in the unusually warm waters of the northern Gulf of Mexico, forecasters, claims adjusting firms and analytics experts are warning that the storm could be more damaging than other recent storms that hit the same …

Damage 264

Damage Claim Insurance Insured 264

Insurance Journal

JANUARY 3, 2025

Finland’s national power grid operator said on Thursday it had asked a Helsinki court to seize the Eagle S oil tanker in a bid to secure the company’s claim for damages related to the breakdown of the undersea Estlink 2 …

Damage 278

Damage Claim Protection Liability Insurance 278

Insurance Journal

MAY 5, 2025

Kansas Insurance Commissioner Vicki Schmidt released data last month on the amount paid by insurance companies for Kansas storm damage claims in 2024. In 2024, reported storm claims totaled 56,778 and the amount paid out on those claims by insurance …

Damage 172

Damage Claim Insurance Companies Insured 172

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.

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Damage Claim Insurance Companies Policyholder 130

Property Insurance Coverage Law

OCTOBER 14, 2024

Following Hurricanes Helene and Milton, many Florida and southeast residents are left grappling with flood damage – some for the second or third time in recent years.

Damage 203

Damage Claim Policyholder Property Insurance 203

Insurance Journal

MAY 27, 2025

million to settle claims with the U.S. Forest Service for costs and damages resulting from the Bobcat Fire in 2020. Southern California Edison, a unit of utility Edison International, agreed on Friday to pay $82.5 government had filed …

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Damage Claim Liability 166

Insurance Journal

OCTOBER 9, 2024

With Hurricane Milton now expected to produce several hundred thousand wind-damage claims and with the storm coming so soon on the heels of Hurricane Helene, industry leaders are bracing for significant delays in claims adjusting. “We’re competing with Helene,” said …

Claim 264

Claim Damage 264

Property Insurance Coverage Law

OCTOBER 2, 2024

Recent investigative reporting by CBS’s 60 Minutes, noted in CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management, has exposed alleged widespread underpayments of claims and unethical claims practices in Florida’s property insurance industry.

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Claim Property Insurance Damage Insurance Industry 279

Insurance Journal

DECEMBER 2, 2024

A North Carolina woman is set for a court appearance later this month after she was charged with filing a claim on her deceased mom’s house – for damage that occurred before the insurance policy was purchased. Cindy Ramzi Hanna, …

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Policy Claim Damage Insurance Policy 263

Insurance Journal

SEPTEMBER 9, 2024

The landlord for a fire-damaged building leased to a Red Lobster restaurant is blaming the restaurant’s insurer for causing it to lose out on $1.2 million in fire insurance claims payments to repair the property. RL New Brunswick Owner LLC, …

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Claim Damage Insurance Claim Building 279

Property Insurance Coverage Law

DECEMBER 7, 2024

The Mississippi Supreme Court has affirmed a $10 million punitive damages award against USAA for its bad faith handling of a Hurricane Katrina claim, sending a clear message about insurers’ obligations to their policyholders.1

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Damage Claim Policyholder Property Insurance 188

Insurance Journal

MAY 19, 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 215

Claim Damage Insurance Insured 215

Insurance Journal

OCTOBER 23, 2024

More loss and claims estimates are trickling in from carriers after Hurricane Milton caused widespread wind and flood damage in Florida this month. Tampa-based Heritage Insurance Holdings said in a preliminary statement that about two weeks after Milton made landfall …

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Claim Damage Insured Insurer 264

Property Insurance Coverage Law

SEPTEMBER 26, 2024

In a case involving alleged hail damage to a commercial building, the court granted summary judgment in favor of the insurer, Charter Oak Fire Insurance Company, after excluding the policyholder’s expert witness.

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Policyholder Insurance Companies Damage Claim 203

Insurance Journal

FEBRUARY 26, 2025

A Maryland woman pleaded guilty to defrauding USAA Insurance out of more than $58,000 in water damage claims by using faked invoices and photos. She was sentenced this week to five years in prison, but a judge suspended all but …

Claim 269

Claim Damage Insurance Insured 269

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.

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Policyholder Property Insurance Damage Insurance Claim 167

Insurance Journal

OCTOBER 6, 2024

Advancements in generative artificial intelligence are enhancing claims processes in many ways, from improving First Notices of Loss (FNOLs) to analyzing videos and images to assessing damage quickly. The robots are coming — and in some cases, they’re here. With …

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Claim Damage 246