Claim Damage Theft 
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.
The Property Insurance Law Observer
MARCH 12, 2024
The Court considered whether the Plaintiffs’ loss was caused by theft or vandalism, as neither term was defined in the policy. 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. Allstate Vehicle & Prop.
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Triple-I: Homeowners Insurance
JUNE 3, 2025
From burst pipes and property theft to liability and squatter intrusion, a home left unoccupied for an extended period is exposed to a unique set of hazards, many of which may not be covered by a standard homeowners’ insurance policy. Water damage is one of the most common and expensive issues in unoccupied homes. By Loretta L.
Protect Commercial Insurance
JUNE 6, 2025
This essential coverage acts as a safety net, protecting your investments from unexpected setbacks like theft, damage, or natural disasters. Definition and Scope Commercial property insurance is a policy designed to protect businesses from financial losses related to damage or destruction of their physical assets.
TGS
FEBRUARY 28, 2025
What if that charming house has a history of costly water damage, roof issues, or even fire damage? This is where a loss history report comes inits like a propertys report card for past insurance claims. A loss history report provides a record of insurance claims filed on a property, typically over the past five to seven years.
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. A tree falling on your roof? Most likely.
Distinguished
MARCH 10, 2025
The policy covers the following: Direct Physical Loss or Damage : This includes accidental damage, vandalism, fire, theft, natural disasters, and other unexpected incidents. For example, a sculpture damaged during a public event or a painting harmed in transit for an exhibition would be covered with a stand-alone policy.
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