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. A recent court decision in Sublett v. This case is not just about a technical legal loss.

Insurance Claim

Insurance Journal

JUNE 12, 2025

California Insurance Commissioner Ricardo Lara on Thursday said he has launched a formal investigation into State Farm’s handling of thousands of insurance claims from wildfire survivors affected by the Palisades and Eaton wildfires in January. The California Department of Insurance …

Claim

Insurance Journal

JULY 23, 2025

Competition among European non-life primary insurers is increasing, despite rising claims inflation, according to S&P Global Ratings in a report on the European insurance sector. Property/casualty commercial insurers will face more pressure in 2025, said S&P, explaining that margins will …

Claim

Property Insurance Coverage Law

MAY 13, 2025

The Senate Subcommittee on Disaster Management will hold a hearing this afternoon titled Examining the Insurance Industrys Claims Practices Following Recent Natural Disasters. Among those testifying is Mike Fiato, Executive Vice President and Chief Claims Officer at Allstate.

Insurance Claim

Insurance Journal

JUNE 19, 2025

The first three months of 2025 brought devastating wildfires to California, significant wind and hail events to Texas, and substantial increases in tornado activity to “Tornado Alley,” but claim volume decreased to a five-year low, according to a quarterly property …

Claim

Property Insurance Coverage Law

JANUARY 23, 2025

When navigating contested property insurance claims, insured parties may receive a request from their insurer for an Examination Under Oath (EUO). It is a formal proceeding, not unlike a deposition, where an insured is required to answer questions under oath about their insurance claim.

Property Insurance

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. A recent court decision in Sublett v. This case is not just about a technical legal loss.

Insurance Claim

Property Insurance Coverage Law

JULY 23, 2025

Everyone in the property insurance industry will experience something similar to this at some point: you’ve just passed your licensing exam, and received notice that your new license application was … The post From Lost Newcomer to Industry Connector—How One Public Adjuster Built a Directory to Bridge the Knowledge Gap in Property Claims (..)

Claim

Property Insurance Coverage Law

JANUARY 22, 2025

I am snowed in after taking the deposition of a 1099 temporary claims adjuster in South Carolina. Much of his testimony has me thinking about the plight of the modern independent claims adjuster doing catastrophe work. During his deposition, the independent catastrophe adjuster said he had asked to have his claims load reduced.

Claim

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

Insurance Journal

JULY 8, 2025

The steady rise in false advertising claims against consumer-facing companies has exposed a major insurance protection gap. The drivers of these legal actions are many and varied and include consumers’ growing – and regularly-shifting – health preoccupations; sustainability concerns; patriotic …

Protection

Property Insurance Coverage Law

JANUARY 22, 2025

I am snowed in after taking the deposition of a 1099 temporary claims adjuster in South Carolina. Much of his testimony has me thinking about the plight of the modern independent claims adjuster doing catastrophe work. During his deposition, the independent catastrophe adjuster said he had asked to have his claims load reduced.

Claim

Property Insurance Coverage Law

FEBRUARY 14, 2025

The latest revelations about Allstates use of artificial intelligence (AI) in drafting insurance claims emails should serve as a wake-up call for policyholders, insurance regulators, and insurance industry claims handlers.

Claim

Property Insurance Coverage Law

JANUARY 30, 2025

A recent federal court decision favoring Liberty Mutual Insurance Company in a pipe burst claim1 left me thinking about two lessons. First, this case strongly reminds policyholders to be aware of time limits in their insurance policies and take action as soon as they believe their claim is not being handled fairly.

Claim

Property Insurance Coverage Law

JULY 27, 2025

In the latest episode of Claim Game, I sat down with Steven Bush to dissect the state of insurance claims handling, particularly following major catastrophes like hurricanes or wildfires.

Insurance Claim

Property Insurance Coverage Law

MAY 16, 2025

This weeks Senate hearing on the insurance industrys claims practices following natural disasters wasnt just a made-for-TV moment. It was a five-alarm warning siren for policyholders and insurers across the country.

Claim

Insurance Journal

FEBRUARY 23, 2025

As consumer complaints have apparently mounted over unpaid hurricane losses, Florida’s top insurance regulator and some lawmakers are signaling new scrutiny on insurance carriers’ claims-handling and other practices. Florida Insurance Commissioner Michael Yaworsky late last week posted a memo, demanding …

Insurance Carrier

Insurance Journal

JUNE 16, 2025

India’s deadliest plane crash in more than decade is set to send shock waves through the aviation insurance industry and trigger one of the country’s costliest claims, estimated at around $475 million. “This aviation insurance claim could be one of …

Insurance Claim

Property Insurance Coverage Law

APRIL 14, 2025

When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. One of the most important phrases to recognize is: “We denied a portion of your claim.” ” Those few words, even if buried in a lengthy letter, should ring loud alarm bells.

Claim

Insurance Journal

JULY 27, 2025

A decision by a federal appeals court last week shows what limited options insurance carriers have when they discover major misrepresentation by the insured long after claims have been paid. 11th Circuit Court of Appeals last week found …

Insurance Carrier

Insurance Journal

JULY 22, 2025

Its insurance carrier, Church Mutual Insurance, determined that the roof had only minor damage that could be repaired. Central Baptist Church of Albany, Georgia, suffered roof damage during a hailstorm in 2014. It offered $2,300 for the work. After the …

Insurance Carrier

Insurance Journal

JUNE 29, 2025

Two more property insurers have put their toes in the Florida market this summer, bringing to 14 the number of new carriers in the state since 2023. It’s another sign that legislative discouragement of claims litigation has made a difference …

Property Insurance

Insurance Journal

APRIL 29, 2025

Six weeks after Tampa-based Heritage Property & Casualty Insurance Co. 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.

Casualty Insurance

Property Insurance Coverage Law

APRIL 14, 2025

When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. One of the most important phrases to recognize is: “We denied a portion of your claim.” ” Those few words, even if buried in a lengthy letter, should ring loud alarm bells.

Claim

Prof. Allan Manning

FEBRUARY 10, 2025

I recall the very first business interruption claim I did was for a risk in Toowoomba and to my horror found that the Insured had only declared 3 months insurable gross profit with a 3-month Indemnity Period. In fact, around 75% of interruption claims by number have an Indemnity Period of less than 3 months.

Business Interruption

Property Insurance Coverage Law

MAY 20, 2025

Occidental Fire and Casualty Company of North Carolina 1has reignited an important and often misunderstood question regarding supplemental claims. Are supplemental flood claims under the National Flood Insurance Program subject to the same one-year statute of limitations as the original claim?

Claim

The Property Insurance Law Observer

MAY 20, 2025

Insurer) motion for summary judgment, holding that the Insurer was prejudiced by its insureds failure to cooperate with the Policys Duties After Loss provision. Billie (Plaintiff) purchased a house in Waterbury, Connecticut, and obtained homeowners insurance through the Insurer. Background Caribe D.

Claim

Insurance Journal

JUNE 17, 2025

Erie Insurance said it has “seen no evidence of ransomware and there is no indication of ongoing threat actor activity” in a June 17 update on its 10-day long network outage. That statement would appear to contradict claims in two …

Claim

Insurance Journal

JULY 31, 2025

California Insurance Commissioner Ricardo Lara is taking legal action against the California FAIR Plan Association for reportedly denying and limiting smoke damage claims from wildfire survivors. The California Department of Insurance filed an order to show cause against the FAIR …

Damage

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

Property Insurance Coverage Law

JUNE 10, 2025

If you were found to give your estimate to anyone, … The post Can Claims Managers in Florida Ethically Tell Adjusters Not to Share Estimates with Policyholders? appeared first on Property Insurance Coverage Law Blog. TSI Adjusters warns their field adjusters: Warning: Do not share your estimate with anyone.

Policyholder

Insurance Journal

JULY 29, 2025

Natural disasters across the globe cost insurers US$80 billion during the first half of 2025, up from $64 billion in H1 2024, according to Munich Re’s mid-year natural disaster report. On the other hand, overall economic losses (which include insured …

Claim

Central Insurance

MAY 27, 2025

Learn how the right insurance policies can help protect your packaging business from equipment breakdowns, liability claims, and costly interruptions. The post Protect Your Packaging Business With the Right Insurance appeared first on Central Insurance Blog.

Protection

Insurance Journal

JUNE 2, 2025

A North Carolina insurance agency cannot escape a lawsuit brought by a homeowner who was denied coverage after a hurricane because key elements of the property were not mentioned in the coverage application. In a case that began almost a …

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. But what happens when two hurricanes strike in the same season?

Policyholder

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

Property Insurance Coverage Law

JULY 21, 2025

In the aftermath of wildfires, when families are left sifting through ashes and trying to rebuild their lives, the true quality of an insurance policy comes sharply into focus. Too often, we hear from policyholders who thought they were adequately insured.

Policy