Claim Damage Personal Property 
Property Insurance Coverage Law
AUGUST 14, 2024
One of the more complex damage issues that must be addressed in all fire, smoke, and heat claims is the amount of damage to personal property in areas of a structure far away from the main fire.
The Property Insurance Law Observer
JULY 25, 2024
June 24, 2024) offers valuable lessons for policyholders regarding the importance of cooperation in the insurance claims process. In Marcantel , the plaintiff suffered damage from Hurricane Laura at two properties in Louisiana. The ruling in Marcantel emphasizes the importance of cooperation in the insurance claims process.
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TGS
JUNE 11, 2025
Flood Damage: Not Covered by Standard Policies Here’s the big one. Most homeowners don’t realize that standard home insurance does not cover flood damage. Even homes outside of high-risk flood zones can benefit—25% of flood claims come from low-to-moderate-risk areas. Windstorm Exclusions in Coastal Areas Live near the coast?
The Property Insurance Law Observer
MARCH 12, 2024
On November 20, 2021, after the home was vacant for an extended period of time, unidentified individuals broke into and damaged Plaintiffs’ property, taking various items. Plaintiffs argued that the damage was covered under the policy, primarily resulting from theft.
Distinguished
MAY 19, 2025
From kitchen fires and equipment breakdowns to liability claims and utility outages, restaurants operate in an environment where a single incident can lead to costly interruptions or legal exposure. A critical component of property insurance for restaurants is business income coverage.
TGS
MAY 21, 2025
Now picture a sudden flare-up disrupting the scene or damaging the deck. These incidents can lead to significant property damage or, worse, injuries that result in liability claims. A fire that damages siding or outdoor furniture could lead to a homeowners insurance claim.
Simply Insurance
JUNE 12, 2025
An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. If youre renting a property, your landlord insurance policy will cover the structure and land and provide enhanced general liability insurance to ensure you dont have to worry about legal costs.
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