Claim and Policy - Insurance Industry Brief

Insurance Is Not a Commodity: Don’t Buy the Cheap Farmers Homeowners Policy, Which Becomes Costly After a Fire

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

Policy Policyholder Property Insurance Insurance Policy

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

Property Insurance Coverage Law

JANUARY 30, 2025

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

Claim Policyholder Property Insurance Insurance Policy

Noncompliance With Policy’s “Duties After Loss” Provision Leads to Denial of Fire Loss 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. Shortly after the Plaintiff purchased the Policy, the house was damaged by a fire. Plaintiff submitted a claim to the Insurer for the damage. Background Caribe D.

Claim

Claim Damage Property Damage Policy

Florida Policyholders Are Upset with Stupid Denials of Claims

Property Insurance Coverage Law

FEBRUARY 17, 2025

The insurance representative tried to explain that many of the denials were because most policies do not cover flood. Our firm was asked to represent a … The post Florida Policyholders Are Upset with Stupid Denials of Claims appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Claim Property Insurance Policy

Take the Hassle Out of Claims Management

Advertiser: Trellis

Insurance professionals use Trellis to streamline claims management by analyzing legal trends, predicting outcomes, and strategizing effectively to serve clients better. Adjusters can evaluate claim validity, estimate settlement amounts, and identify potential litigation risks.

Claim

California FAIR Plan: Ignoring Laws and Gouging Californians on Smoke Damage Claims

Property Insurance Coverage Law

MARCH 20, 2025

Imagine a state-run insurance program so brazen that even when explicitly ordered by the Department of Insurance to remove unlawful policy language, it shrugs and continues business as usual.

Damage

Damage Claim Property Insurance Policy

Mistakes in setting sums insured / declared value where the Insured elects an Indemnity Period of less than 12 months.

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. Fast forward 40 or so years and in Vanuatu last week with the earthquake claims I saw many occasions of the very same issue.

Business Interruption

Business Interruption Claim Insurer Insured

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

Property Insurance Coverage Law

JANUARY 30, 2025

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

Claim Policyholder Property Insurance Insurance Policy

Uber Alleges Fraud Scheme by New York Groups Faking Car-Crash Injuries

Insurance Journal

JANUARY 30, 2025

filed a racketeering lawsuit against a group of law firms, doctors and pain-management clinics it claims staged fake car accidents and performed unnecessary surgeries to take advantage of New York’s lucrative no-fault insurance policies. Ride-sharing giant Uber Technologies Inc. Since …

Injury

Injury Insurance Policy Claim Policy

Agents Beware: Homeowner’s Failure to Read Policy Doesn’t Clear Agency of Negligence Claim, North Carolina High Court Says

Insurance Journal

JUNE 15, 2025

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

Claim

Claim Policy Agents Insurance Agency

Protect Your Packaging Business With the Right Insurance

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

Protection Liability Insurance Policy Insurer

Avoid Claim Denials: Key Policyholder Duties After a Loss

Property Insurance Coverage Law

MARCH 11, 2025

All insurance policies include a section placing specific responsibilities and obligations on policyholders to act in a certain way before entitling them to policy benefits for what should be a covered loss.

Policyholder

Policyholder Claim Property Insurance Insurance Policy

Uber Alleges Insurance Fraud Scheme in Florida as It Goes on Legal Offensive

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

Damage Insurance Policy Claim Insurer

The New “Notice” Trap: Better Ring a Bell for Every Coverage You Might Claim

Property Insurance Coverage Law

APRIL 9, 2025

Sometimes, decisions come along that make me wonder if judges are reading the same insurance policies and insurance laws the rest of us are. The recentFloridaClark opinion 1 is one of them.

Claim

Claim Property Insurance Insurance Policy Insurance Companies

Is terrorism covered under an Australian home and contents policy?

Prof. Allan Manning

JANUARY 29, 2025

Last week I posted an article in regard to terrorism coverage under commercial property, and/or business interruption policies. In a day or two I will address Strata and after than residential landlord policies, and finally private motor. I also touched on commercial liability coverage. ” [ emphasis mine] 1.

Policy

Policy Business Interruption Commercial Risk

The New “Notice” Trap: Better Ring a Bell for Every Coverage You Might Claim

Property Insurance Coverage Law

APRIL 9, 2025

Sometimes, decisions come along that make me wonder if judges are reading the same insurance policies and insurance laws the rest of us are. The recentFloridaClark opinion 1 is one of them.

Claim

Claim Property Insurance Insurance Policy Insurance Companies

From Exclusions to Coverage: Court Says No to Insurer’s Overly Broad Use of Exclusions

Property Insurance Coverage Law

FEBRUARY 2, 2025

Ropicky, 1 the court held that insurers may not deny legitimate claims based on policy exclusions that the insurer has broadly applied. In a recent case from the Wisconsin Court of Appeals, Cincinnati Insurance Company v.

Property Insurance

Property Insurance Policy Insurance Companies Claim

Insurer’s Use of Conflicting Reports Not Bad Faith, Says Court

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 subject insurance policy covered direct physical loss caused by hail.

Damage

Damage Claim Insurance Companies Policyholder

Lack of Insurable Interest Precludes Recovery for Property Damage

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. Hawley Insurance Co.

Property Damage

Property Damage Damage Insurer Insured

Jackson v. Spinnaker: Court Rules a Thorough Investigation is Just Good Business, Not Bad Faith

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

Claim Policy Damage Insurance Companies

How Lag Time Sabotages Claims—And What You Can Do About It

AMAXX

MAY 27, 2025

In the world of workers compensation, few factors have a more immediate and measurable impact on claim outcomes than lag time the delay between when an injury occurs and when it is reported to the carrier or third-party administrator (TPA). Beyond four weeks , claim costs jumped 31%. Here’s what you need to know. litigation rate.

Claim

Claim Workers Comp Injury Workers Compensation

ACV, RCV, and GCOP: Why the Ninth Circuit’s Ruling Matters to Claims Professionals and Policyholders

Property Insurance Coverage Law

APRIL 18, 2025

Safeco Insurance Company of America 1 serves as a timely reminder for claims professionals to revisit how to interpret actual cash value (ACV), replacement cost value (RCV), and general contractor overhead and profit (GCOP) under property insurance policies which define the terms.

Policyholder

Policyholder Claim Property Insurance Insurance Policy

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

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

Policyholder Property Insurance Damage Claim

Avoid Claim Denials: Key Policyholder Duties After a Loss

Property Insurance Coverage Law

MARCH 11, 2025

All insurance policies include a section placing specific responsibilities and obligations on policyholders to act in a certain way before entitling them to policy benefits for what should be a covered loss.

Policyholder

Policyholder Claim Property Insurance Insurance Policy

How Fear Impacts Workers’ Compensation Claims (and What to Do About It)

AMAXX

MARCH 4, 2025

Research has shown that fear of being fired is one of the top predictors of negative claim outcomes, including increased litigation rates and extended time off work. By understanding the role fear plays in workers compensation claims, employers can implement strategies to foster trust, improve outcomes, and reduce costs. Heres how: 1.

Workers Compensation

Workers Compensation Compensation Claim Workers Comp

Depreciation of Labor: Alaska Says Don’t Do It

Property Insurance Coverage Law

JUNE 27, 2025

A new Alaska law explicitly makes it illegal to depreciate the expense of labor in residential property insurance claims unless very specific conditions are met. Section 89 of Senate Bill 132 adds a new statute to the Alaska Insurance Code: Sec. Depreciation of labor.

Property Insurance

Property Insurance Insurance Claim Claim Policy

How to Avoid Coverage Gaps That Can Lead to E&O Claims

American Agents Alliance

JUNE 12, 2025

Policyholders often do not fully understand their policy or notice potential coverage gaps, yet they may expect to have coverage if they suffer a loss. Insurance coverage has become more complex in many ways, leaving policyholders without the right policies at times.

Claim

Claim Policyholder Broker-Agent Cyber

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

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

Policyholder Property Insurance Damage Claim

Helping Clients Navigate Marketplace Open Enrollment | Solstiuce

Solstice Insurance Broker

JANUARY 23, 2025

Brokers should advocate for clients year-round, assisting with claims and policy updates. Be the Lighthouse In the often murky waters of insurance jargon and policy complexities, your role as an insurance broker is akin to a lighthouse. This means assisting with any claims issues and answering coverage questions.

Out-Of-Pocket

Out-Of-Pocket Broker Insurance Broker Deductible

Prior Knowledge Ends Filmmaker Baldoni’s Coverage for Harassment Claims: Insurer

Insurance Journal

JULY 22, 2025

The insurer for the actor Justin Baldoni and other executives at his movie studio Wayfarer says its policies do not cover actress Blake Lively’s allegations of sexual harassment during the filming of the movie “It Ends With Us.” ” Wayfarer and …

Claim

Claim Insurer Insured Insurance

Business Owner’s Policy for Restaurants

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. What is a Business Owners Policy (BOP)?

Policy

Policy Business Owners Policy General Liability Liability

Reminder on Time Limitations to File Suit for California Wildfire Claims

Property Insurance Coverage Law

FEBRUARY 16, 2025

California fire insurance policies must provide an insured a minimum of 12 months from the inception of the loss to bring any suit or action on the policy for recovery of any claim. Code 2071.

Claim

Claim Property Insurance Insurance Policy Policy

Why Museums Should Buy a Stand-Alone Fine Art & Collectibles Policy

Distinguished

MARCH 10, 2025

While adding these items to a property or package policy might seem convenient, museums face unique exposures that such generalized policies often fail to address. A stand-alone Fine Art & Collectibles insurance policy is designed to provide museums with comprehensive coverage of the items and their vulnerabilities.

Policy

Policy Deductible Damage Claim

Pirates Invade Tampa! Is an Invasion Covered Under a Commercial Insurance Policy?

Property Insurance Coverage Law

JANUARY 26, 2025

Is an Invasion Covered Under a Commercial Insurance Policy? where I gave a short explanation of the day: Tampas Mayor refused to hand over the keys to the city on Tuesday to … The post Pirates Invade Tampa! appeared first on Property Insurance Coverage Law Blog.

Commercial Insurance

Commercial Insurance Insurance Policy Commercial Policy

Texas SB 458: What Homeowners and Drivers Need to Know About the New Appraisal Law

Property Insurance Coverage Law

JUNE 13, 2025

In 2025, the Texas Legislature passed Senate Bill 458 (SB 458), 1 a significant reform aimed at protecting policyholders in disputes over insurance claims. … The post Texas SB 458: What Homeowners and Drivers Need to Know About the New Appraisal Law appeared first on Property Insurance Coverage Law Blog.

Policyholder

Policyholder Property Insurance Insurance Claim Insurance Policy

When No One’s Home: Understanding Roleof Vacancy Insurance

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. Many standard policies exclude or limit coverage for theft and vandalism once a home is deemed vacant.

Theft

Theft Damage Liability Insurer

Mistake: Accepting Every Workers’ Compensation Claim

AMAXX

MARCH 18, 2025

Many companies operate under an unwritten rule: accept every workers compensation claim, no questions asked. A well-managed workers compensation program should pay 100% of legitimate claimsand 0% of the claims that arent. Employees come to believe that every claim will be accepted, regardless of the circumstances.

Workers Compensation

Workers Compensation Compensation Claim Workers Comp

How to Set Employee Expectations Before an Injury Happens

AMAXX

JUNE 3, 2025

While much attention is given to claims handling, medical coordination, and return-to-work strategies, the foundation of a successful claim is built long before the incident takes place. That emotional state is one of the top reasons claims escalate, litigation occurs, and costs rise. Here’s how.

Injury

Injury Workers Comp Workers Compensation Compensation

Blog Post: Formplay: How Insurance Practitioners Can Score with Standard Insurance Policies

LexisNexis

JULY 29, 2025

Learn about the implications of form policies in regulatory disputes and coverage litigation. Standard Insurance Policy Forms Fundamentals Analyze the genesis and use of standardized insurance policy forms and the identity and background of the entities primarily responsible for their creation.

Insurance Policy

Insurance Policy Policy Workers Compensation Insurer

Blog Post: The Long Tail Bites Back: When Old Policies Haunt New Problems

LexisNexis

JULY 1, 2025

Single-Year, Multi-Year, and Multi-Policy Insurance Coverage Claims Disputes Analyze issues that can arise for policyholders and insurers when insurance policies of various durations are called upon to answer for claims, and when multiple policies can also apply.

Policy

Policy Commercial General Liability Injury Damage

What You Need to Know About Filing a Business Insurance Claim

Top Insurance Blogs

JUNE 10, 2025

Are you aware of your business insurance claim and how to make use of it? And what are the steps for filing a business […] The post What You Need to Know About Filing a Business Insurance Claim appeared first on My Top Insurance Blogs.

Insurance Claim

Insurance Claim Business Insurance Claim Property Damage

Southern District Court of New York Permits Extensive Discovery of Reserve And Reinsurance Information in Bad Faith Litigation

The Property Insurance Law Observer

JULY 31, 2025

Facts The insured’s claim arose out of business interruption losses due to a shutdown of its business during the COVID-19 pandemic. Analysis The district court overruled insurers’ objections permitting discovery of both reserve and reinsurance information given the allegations of bad faith during the adjustment of the claim.

Business Interruption

Business Interruption Claim Liability Risk

A Comprehensive Guide to Understanding Commercial Property Insurance

Protect Commercial Insurance

APRIL 11, 2025

This type of policy covers a wide array of potential hazards, including fire, theft, vandalism, and certain natural disasters. The policies are often tailored to meet the specific needs of different industries, whether you own a quaint bakery on the high street or a bustling tech startup in the middle of a business district.

Commercial Property

Commercial Property Property Insurance Commercial Insurer

Why Reporting Small Claims Pays Off in ERA States

AMAXX

JULY 14, 2025

When it comes to workers’ compensation, small claims might seem harmless. After all, fewer claims mean fewer red flags on your insurance history—right? Especially in ERA states , choosing not to report those small claims could end up costing far more in the long run. So, a $10,000 medical-only claim? Not always.

Claim

Claim Out-Of-Pocket Workers Comp Workers Compensation

Insurance Is Not a Commodity: Don’t Buy the Cheap Farmers Homeowners Policy, Which Becomes Costly After a Fire

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

Trending Sources

Noncompliance With Policy’s “Duties After Loss” Provision Leads to Denial of Fire Loss Claim

Florida Policyholders Are Upset with Stupid Denials of Claims

Take the Hassle Out of Claims Management

California FAIR Plan: Ignoring Laws and Gouging Californians on Smoke Damage Claims

Mistakes in setting sums insured / declared value where the Insured elects an Indemnity Period of less than 12 months.

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

Uber Alleges Fraud Scheme by New York Groups Faking Car-Crash Injuries

Agents Beware: Homeowner’s Failure to Read Policy Doesn’t Clear Agency of Negligence Claim, North Carolina High Court Says

Protect Your Packaging Business With the Right Insurance

Avoid Claim Denials: Key Policyholder Duties After a Loss

Uber Alleges Insurance Fraud Scheme in Florida as It Goes on Legal Offensive

The New “Notice” Trap: Better Ring a Bell for Every Coverage You Might Claim

Is terrorism covered under an Australian home and contents policy?

The New “Notice” Trap: Better Ring a Bell for Every Coverage You Might Claim

From Exclusions to Coverage: Court Says No to Insurer’s Overly Broad Use of Exclusions

Insurer’s Use of Conflicting Reports Not Bad Faith, Says Court

Lack of Insurable Interest Precludes Recovery for Property Damage

Jackson v. Spinnaker: Court Rules a Thorough Investigation is Just Good Business, Not Bad Faith

How Lag Time Sabotages Claims—And What You Can Do About It

ACV, RCV, and GCOP: Why the Ninth Circuit’s Ruling Matters to Claims Professionals and Policyholders

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

Avoid Claim Denials: Key Policyholder Duties After a Loss

How Fear Impacts Workers’ Compensation Claims (and What to Do About It)

Depreciation of Labor: Alaska Says Don’t Do It

How to Avoid Coverage Gaps That Can Lead to E&O Claims

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

Helping Clients Navigate Marketplace Open Enrollment | Solstiuce

Prior Knowledge Ends Filmmaker Baldoni’s Coverage for Harassment Claims: Insurer

Business Owner’s Policy for Restaurants

Reminder on Time Limitations to File Suit for California Wildfire Claims

Why Museums Should Buy a Stand-Alone Fine Art & Collectibles Policy

Pirates Invade Tampa! Is an Invasion Covered Under a Commercial Insurance Policy?

Texas SB 458: What Homeowners and Drivers Need to Know About the New Appraisal Law

When No One’s Home: Understanding Roleof Vacancy Insurance

Mistake: Accepting Every Workers’ Compensation Claim

How to Set Employee Expectations Before an Injury Happens

Blog Post: Formplay: How Insurance Practitioners Can Score with Standard Insurance Policies

Blog Post: The Long Tail Bites Back: When Old Policies Haunt New Problems

What You Need to Know About Filing a Business Insurance Claim

Southern District Court of New York Permits Extensive Discovery of Reserve And Reinsurance Information in Bad Faith Litigation

A Comprehensive Guide to Understanding Commercial Property Insurance

Why Reporting Small Claims Pays Off in ERA States

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