Property Insurance Coverage Law

JUNE 3, 2025

When vandals triggered a sprinkler system in a vacant building, flooding it with over one million gallons of water, the result was not just property damage. Instead, it was a lawsuit that put the scope of all-risk commercial property insurance under scrutiny. The case ofEpperson v.

Commercial Property 189

Commercial Property Property Damage Property Insurance Commercial 189

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 186

Insurance Claim Claim Policyholder Property Insurance 186

Property Insurance Coverage Law

JUNE 4, 2025

In a ruling issued today from Iowa, the court enforced an appraisal award issued in favor of homeowners Gregory and Karen Larson, who suffered hailstorm damage to their property in March 2023. The case, Larson v.

Policyholder 160

Policyholder Property Insurance Damage Insurance Companies 160

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 100

Damage Claim Policyholder Property Insurance 100

The Property Insurance Law Observer

JUNE 12, 2025

Mid-Century Insurance Company (2025 WL 1540329) (10th Cir. 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.

Damage 130

Damage Claim Insurance Companies Policyholder 130

Property Insurance Coverage Law

FEBRUARY 28, 2025

When a hurricane damages your home, you expect your insurance company to play fair. But what happens when insurers undervalue claims, drag out disputes, and then hide behind new laws to avoid accountability? Scottsdale Insurance Companya case that delivered a crucial victory for policyholders in Florida.

Policyholder 174

Policyholder Property Insurance Damage Insurance Companies 174

Property Insurance Coverage Law

FEBRUARY 28, 2025

When a hurricane damages your home, you expect your insurance company to play fair. But what happens when insurers undervalue claims, drag out disputes, and then hide behind new laws to avoid accountability? Scottsdale Insurance Companya case that delivered a crucial victory for policyholders in Florida.

Policyholder 160

Policyholder Property Insurance Damage Insurance Companies 160

Property Insurance Coverage Law

MAY 6, 2025

Wright National Flood Insurance Company 1 highlights a harsh reality for policyholders seeking to recover under the National Flood Insurance Program (NFIP).Strict A recent appellate decision in Woodland Villas Condominiums v.

Policyholder 164

Policyholder Property Insurance Damage Insurance Companies 164

Property Insurance Coverage Law

OCTOBER 23, 2024

While Jimmy Patronis and Governor DeSantis trumpet their latest emergency rule as consumer protection following the CBS 60 Minutes Expose noted in CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management, the reality reveals a different story.

Policyholder 214

Policyholder Insurance Industry Insurance Companies Protection 214

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

Property Insurance Coverage Law

JANUARY 7, 2025

Insurance companies denying hail damage claims are repeat players in the litigation arena. This post will provide more insight and lessons as a grand finale to Policyholders and Public Adjusters Often Need to Hire Their Own Experts, and Policyholders and Public Adjusters … The post Want to Win a Hailstorm Damage Lawsuit?

Damage 203

Damage Policyholder Property Insurance Insurance Companies 203

The Property Insurance Law Observer

JANUARY 23, 2025

Clear Blue Specialty Insurance Company , No. District Court for the Middle District of Florida granted the insurers motion in limine and excluded evidence and testimony regarding replacement cost value of damages, matching, and to limit damages to direct physical loss. 6:23-cv-2025-ACC-DCI, 2024 U.S. 2d DCA 2008).

Damage 130

Damage Insured Insurer Insurance 130

Insurance Journal

APRIL 11, 2025

No contractors, no repair estimates, no haggling with the insurance company: After a tornado struck an Amish community in Michigan, the work was underway even before the National Weather Service could assess the damage. Meteorologists make site visits to determine …

Damage 140

Damage Insurance Companies Insurance Insured 140

Tosten Marketing

FEBRUARY 27, 2025

Water damage can wreak havoc on commercial properties, leading to costly repairs and business disruptions. At Tosten Marketing, we often hear from business owners wondering about their insurance coverage for such incidents. Commercial property insurance water damage coverage is a complex topic with many nuances.

Commercial Property 52

Commercial Property Property Insurance Damage Commercial 52

The Property Insurance Law Observer

SEPTEMBER 16, 2024

Liberty Mutual Insurance Company , the U.S. Court of Appeals reviewed a summary judgment ruling in favor of co-defendant West American Insurance Company (“West American”), issued by the U.S. Subsequently, West American issued payment for the damages it deemed to be covered and non-cosmetic.

Insurance Companies 130

Insurance Companies Damage Insured Insurer 130

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.

Claim 279

Claim Property Insurance Damage Insurance Industry 279

Property Insurance Coverage Law

JUNE 3, 2025

When vandals triggered a sprinkler system in a vacant building, flooding it with over one million gallons of water, the result was not just property damage. Instead, it was a lawsuit that put the scope of all-risk commercial property insurance under scrutiny. The case ofEpperson v.

Commercial Property 100

Commercial Property Property Damage Property Insurance Commercial 100

Property Insurance Coverage Law

AUGUST 4, 2024

Insurance policies protect you from the cost of replacing lost, damaged, or stolen items: or at least, that’s how they’re supposed to work. But what happens if your insurance company refuses to pay what you are owed?

Property Insurance 245

Property Insurance Damage Insurance Policy Insurance Companies 245

Top Insurance Blogs

APRIL 14, 2025

Finding the best renters insurance policy is a cost-effective approach to safeguard your things against damage or theft. These […] The post The Best Renters Insurance Companies in the United States in 2025: Low Rates and Excellent Service appeared first on My Top Insurance Blogs.

Insurance Companies 52

Insurance Companies Theft Premium Damage 52

The Property Insurance Law Observer

FEBRUARY 25, 2025

Spinnaker Insurance Company , the United States District Court for the Western District of Pennsylvania considered a homeowners insurance coverage dispute, ultimately finding that questions of residency and alleged fraudulent misrepresentations precluded summary judgment. In Jackson v.

Claim 130

Claim Policy Insurance Companies Damage 130

The Property Insurance Law Observer

SEPTEMBER 23, 2024

American Guarantee and Liability Insurance Company , the United States District Court for the District of Massachusetts held that a loose bolt or fitting that could be remedied simply by tightening it did not constitute “direct physical loss of or damage” to equipment covered under an all-risk property insurance policy. [1]

Damage 130

Damage Business Interruption Property Damage Policy 130

Insurance Journal

OCTOBER 9, 2024

Almost two years after a group of independent claims adjusters alleged that insurers had deceptively altered their damage estimates and low-balled policyholders, Florida’s chief financial officer has issued an emergency rule barring similar actions in Hurricane Milton claims. “Any move …

Policyholder 290

Policyholder Claim Damage Insured 290

Property Insurance Coverage Law

OCTOBER 1, 2024

Heritage Insurance (HRTG) lost 20% of its publicly traded value yesterday following the recent CBS 60 Minutes investigation into alleged insurance fraud in Florida, which has sent shockwaves through the insurance industry.

Property Insurance 203

Property Insurance Damage Insurance Industry Insurance Companies 203

Property Insurance Coverage Law

AUGUST 22, 2024

Insurance restoration contractors have a lot on their plate. They are not building based on new plans but repairing already-built structures.

Property Insurance 203

Property Insurance Damage Building Insurance Companies 203

Insurance Journal

JANUARY 30, 2025

Preliminary data show insurance companies have paid out more than $4 billion for losses from the biggest two of the Los Angeles-area wildfires that swept through the region and destroyed tens of thousands of homes earlier this month. This week …

Insurance Companies 320

Insurance Companies Insured Insurer Insurance 320

Property Insurance Coverage Law

OCTOBER 5, 2024

When navigating the aftermath of a property damage claim, many homeowners seek professionals to help them secure the best possible settlement from their insurance company.

Property Damage 185

Property Damage Policyholder Property Insurance Damage 185

Insurance Journal

AUGUST 8, 2024

California Insurance Commissioner Ricardo Lara issued a one-year moratorium on insurance companies to preserve residential insurance coverage for more than 185,000 policyholders affected by the Park, Borel and Gold Complex fires. The moratorium shields those living within the perimeters or …

Policyholder 299

Policyholder Insured Insurer Insurance 299

The Property Insurance Law Observer

MAY 12, 2025

State Farm Mutual Automobile Insurance Company , 2025 WL 416814 (9th Cir. State Farm Mutual Automobile Insurance Company , 2025 WL 416814 (9th Cir. Facts The insureds claim arose after multiple water leaks damaged its office. The insurer initially paid a certain sum for lost income due to the leaks.

Commercial Property 100

Commercial Property Damage Insurance Claim Claim 100

Insurance Journal

FEBRUARY 13, 2025

Insurance companies have so far paid out more than $6.9 billion for losses from the biggest two of the Los Angeles-area wildfires that swept through the region and destroyed tens of thousands of homes last month. That’s according to the …

Insurance Companies 287

Insurance Companies Insured Insurer Insurance 287

Insurance Journal

NOVEMBER 18, 2024

California Insurance Commissioner Ricardo Lara issued a mandatory one-year moratorium on insurance companies to preserve residential insurance coverage for more than 200,000 policyholders affected by the Mountain Fire, which has destroyed 243 structures. The order shields those living within the …

Policyholder 277

Policyholder Insurance Companies Insurance Insured 277

Insurance Journal

AUGUST 15, 2024

A Maui judge’s ruling resolves a critical roadblock to finalizing a $4 billion wildfire settlement: Insurance companies who have paid out more than $2 billion in claims can seek reimbursement only from the settlement amount defendants, who victims blame for …

Insurance Companies 276

Insurance Companies Claim Insured Insurer 276

Simply Insurance

JUNE 12, 2025

And whether youre a first-time landlord or have years of experience, you know that rental property insurance is necessary, but the cost varies depending on where you may live and the insurance company you choose. Credit History - You have a distinct credit score for insurance products developed specifically for you.

Insurance Quotes 94

Insurance Quotes Life Insurance Insured Insurer 94

Insurance Journal

APRIL 23, 2025

Two lawsuits filed in Los Angeles allege major home insurance companies have colluded to limit coverage in California communities at high risk for wildfires and force homeowners onto the state’s last-resort insurance plan that offers basic coverage and high premiums.

Home Insurance 253

Home Insurance Premium Insurance Companies Insured 253

Boyle Agency Insurance

APRIL 4, 2025

Imagine a scenario where a contractor accidentally damages your property or a worker gets injured while working on your home. Without proper insurance, you could be held liable. When hiring contractors for home projects, ensuring they have proper insurance coverage is crucial.

Property Damage 61

Property Damage Injury Damage Liability 61

Insurance Journal

JANUARY 23, 2025

California Insurance Commissioner Ricardo Lara is asking all California insurance companies to provide advance payments on claims for Los Angeles wildfire survivors. Lara’s order is designed to help speed the recovery process for wildfire survivors affected by several fires in …

Claim 243

Claim Insurance Companies Insured Insurer 243

Simply Insurance

JUNE 11, 2025

And whether youre a first-time landlord or have years of experience, you know that rental property insurance is necessary, but the cost varies depending on where you may live and the insurance company you choose. Credit History - You have a distinct credit score for insurance products developed specifically for you.

Insurance Quotes 86

Insurance Quotes Life Insurance Workers Comp Insured 86

Wren Insurance Agency

OCTOBER 23, 2024

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two prior to a named storm possibly impacting the state. The more damage, the more likely premiums will rise at renewal.

Policy 74

Policy Insurance Companies Premium Damage 74