Damage and Insurance Policy - Insurance Industry Brief

What Appliance Store Insurance Policies Should I Invest In?

Central Insurance

JUNE 10, 2025

Explore essential appliance store insurance policies to protect your business from liability, theft, property damage, and employee injuries. The post What Appliance Store Insurance Policies Should I Invest In? appeared first on Central Insurance Blog.

Insurance Policy

Insurance Policy Policy Property Damage Theft

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 Insurance

New Oklahoma Law Limits Post-Loss Assignment of Benefits on Property Damage

Insurance Journal

JUNE 13, 2025

Oklahoma lawmakers this legislative session passed a bill limiting post-loss assignment of benefits for property damage under auto, residential or commercial property insurance policies. House Bill 1084 prohibits the solicitation or acceptance of an assignment of any post-loss insurance benefit …

Property Damage

Property Damage Damage Commercial Property Commercial

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.

Property Damage

Property Damage Damage Insurance Insurer

North Dakota Commissioner Urges Property Damage Assessment After Flash Floods

Insurance Journal

AUGUST 14, 2024

In the wake of flash flooding in the Bismarck-Mandan area, North Dakota Insurance Commissioner Jon Godfread is reminding residents to take immediate steps to assess and document any property damage and to review their insurance policies to understand what is …

Property Damage

Property Damage Damage Insurance Policy Policy

Insurance Coverage After a Raze Order: Strategies for Overcoming Ordinance or Law Exclusions

Property Insurance Coverage Law

APRIL 28, 2025

When a devastating fire damages a building and a municipality orders it razed, the instinctive reaction of many policyholders is to expect that their insurance will cover the total loss.

Policyholder

Policyholder Property Insurance Damage Insurance Policy

Insurance Coverage After a Raze Order: Strategies for Overcoming Ordinance or Law Exclusions

Property Insurance Coverage Law

APRIL 28, 2025

When a devastating fire damages a building and a municipality orders it razed, the instinctive reaction of many policyholders is to expect that their insurance will cover the total loss.

Policyholder

Policyholder Property Insurance Damage Insurance Policy

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

The Property Insurance Law Observer

JUNE 12, 2025

Factual Overview This insurance coverage dispute arose from alleged roof damage caused by a hailstorm. The subject insurance policy covered direct physical loss caused by hail. After receiving the claim, the insurer assigned a claim adjuster to investigate the roof.

Damage

Damage Claim Insurance Companies Policyholder

Carolina Woman Charged with Using Mom’s Name to Get Policy, Filing Bogus Claim

Insurance Journal

DECEMBER 2, 2024

A North Carolina woman is set for a court appearance later this month after she was charged with filing a claim on her deceased mom’s house – for damage that occurred before the insurance policy was purchased. Cindy Ramzi Hanna, …

Policy

Policy Claim Damage Insurance Policy

Does Commercial Property Insurance Cover Water Damage?

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

Commercial Property Property Insurance Damage Commercial

Standard Homeowners’ Insurance Policies Do Not Cover Flood Damage

Boyle Agency Insurance

NOVEMBER 4, 2024

Floods are natural disasters that can cause extensive damage to homes and properties, leaving homeowners with significant financial burdens. While standard homeowners’ insurance may cover certain perils, it often excludes floods. That’s where flood insurance comes in.

Insurance Policy

Insurance Policy Damage Policy Insurance

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. Water damage is one of the most common and expensive issues in unoccupied homes.

Theft

Theft Damage Liability Insurance

Court Differentiates Vandalism from Theft in First Party Insurance Policy

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. Citing to Allemand v. State Farm Ins. Companies, 160 Wn.

Theft

Theft Insurance Policy Policy Personal Property

Civil Remedy Notices – What Are They and What Do They Require?

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

Property Insurance Damage Insurance Policy Insurance Companies

Court Says Loose Bolt Remedied by Tightening Does not Constitute “Direct Physical Loss of or Damage” to Property

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

Damage Business Interruption Property Damage Policy

Policyholders and Public Adjusters Often Need to Hire Their Own Experts—Part Two

Property Insurance Coverage Law

JANUARY 6, 2025

In yesterdays post, Policyholders and Public Adjusters Often Need to Hire Their Own Experts, the court found that the insurance policy did not provide coverage for the claimed damages for two primary reasons.1

Policyholder

Policyholder Damage Property Insurance Insurance Policy

The Importance of Experts J&S Welding, Inc. v. Liberty Mutual Insurance Company

The Property Insurance Law Observer

SEPTEMBER 16, 2024

The 6th Circuit held that the property policy’s cosmetic damage exclusion applied to bar coverage because the insured, J&S Welding, Inc. Insured”), failed to disclose or produce any expert evidence to rebut the conclusions of the West American’s three experts, who determined the roof’s damage was merely cosmetic.

Insurance Companies

Insurance Companies Damage Insurance Insurer

Insurance Insider: Expert tips to prevent water damage in your home.

Frankenmuth Insurance

OCTOBER 24, 2024

Household leaks, small and large, can lead to structural damage and hefty repair bills. But with some proactive measures, you can significantly reduce the risk of water damage to your home, and prevent future hassles. Our experts are weighing in with insider advice to avert water damage that starts both inside and outside your home.

Damage

Damage Insurance Insurer Insured

Best Landlord Insurance In Maryland For Your Rental Property!

Simply Insurance

JUNE 10, 2025

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Insurance Quotes

Insurance Quotes Life Insurance Insurance Insurer

How Homeowners Insurance Policies Handle Mold Damage

Freeway Insurance

NOVEMBER 19, 2024

You know that your home insurance is there to help you recoup your costs and repair damages to your home after an unexpected situation. But does homeowners insurance cover mold? This pesky fungus can cause serious damage to your property, and getting it fully removed can cost a pretty penny.

Damage

Damage Policy Insurance Policy Out-Of-Pocket

Proactive Tips for Businesses Facing Hail Damage Claims

Risk Management Monitor

AUGUST 9, 2022

Last week, a severe thunderstorm unleashed massive hailstones in Alberta, Canada, damaging dozens of cars and unleashing potentially record-breaking hailstones the size of grapefruits. In that case, a hotel filed a lawsuit against its insurer for refusing to cover hail-related roof damage under a commercial property insurance policy.

Damage

Damage Claim Commercial Property Deductible

Best Landlord Insurance In Louisiana For Your Rental Property!

Simply Insurance

JUNE 10, 2025

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Insurance Quotes

Insurance Quotes Life Insurance Insurance Insurer

Is terrorism covered under an Australian home and contents policy?

Prof. Allan Manning

JANUARY 29, 2025

This is where the wording has a Defined Events cover and sometimes an Option for Accidental Damage. ” [ emphasis mine] 1. The Terrorism Exclusion, in some wordings, has a specific Exclusion for Explosion, Riot or Civil Commotion caused by terrorism.

Policy

Policy Business Interruption Commercial Risk

Coverage Options for Home Insurance

Paragon Independent Insurance Agencies

MAY 16, 2025

If you’ve recently purchased a home in Texas, it’s crucial to protect your investment by securing a homeowners’ insurance policy. Many new homeowners are unsure about the amount of coverage they need and have questions about home insurance.

Home Insurance

Home Insurance Damage Insurance Agency Insurance

What Perils Are Covered by Commercial Property Insurance?

Property Insurance Centre

FEBRUARY 10, 2025

Whether you own an office building, a retail store, a warehouse, or a manufacturing facility, this type of coverage safeguards your physical assets, ensuring financial stability in the face of damage or loss. But what exactly does commercial property insurance cover? Below are the most common perils covered: 1.

Commercial Property

Commercial Property Property Insurance Commercial Boiler and Machinery

Insurance Considerations When Expanding Your Business to a New Location

Mark Jackson Insurance Agency

MARCH 19, 2025

From property protection to liability coverage, ensuring your business insurance policies align with your expansion is critical. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk. Ensure your insurance policy is up-to-date.

Workers Compensation

Workers Compensation Liability Inland Marine Insurance Property Damage

Is Your Home Ready for Severe Weather? How to Protect Your Property

Mark Jackson Insurance Agency

MARCH 5, 2025

Exterior view of a suburban home by Binyamin Mellish Severe weather can strike at any time, bringing heavy rain, strong winds, hail, snow, or extreme heat that can damage your home. Preparing your property in advance can minimize potential damage, reduce costly repairs, and keep your family safe.

Protection

Protection Damage Home Insurance Insurance Policy

Protect Your Adobe Oasis with Essential Home Insurance Tips in Michigan

Shield Insurance Agency

FEBRUARY 28, 2025

Ensure adequate drainage for your indoor and outdoor water systems to prevent water damage. Investing in a home insurance policy with comprehensive fire protection can help shield your home from wildfire-related damage.

Home Insurance

Home Insurance Protection Theft Insurance Agency

Split Decision: Florida Districts Clash Over Insurance Coverage for Unperformed Repairs

The Property Insurance Law Observer

OCTOBER 16, 2024

The court emphasized that under both the insurance policy’s plain language and Florida Statute §627.7011(3)(a), payment of replacement cost value is contingent upon the actual completion of repairs. Universal”) after their property sustained water damage that led to mold. in damages. in damages.

Property Insurance

Property Insurance Damage Casualty Insurance Policy

Purpose Built Flats Insurance and Lift Insurance Policy?

Property Insurance Centre

SEPTEMBER 11, 2024

What does a Lift Inspection Policy cover in conjunction with a Purpose Built Flats Insurance Policy? Lift Inspection policies will often accompany a Purpose Built Flats Insurance Policy, and for good reason. Breakdown – Damage to any item of Plant caused by its own Breakdown.

Insurance Policy

Insurance Policy Policy Boiler and Machinery Insurance

What You Need to Know About Filing a Business Insurance Claim

Top Insurance Blogs

JUNE 10, 2025

Do you know what to do when your business suffers property damage or loss? Are you aware of your business insurance claim and how to make use of it? What steps should you take when you record property or casualty damage in the course of your business activity?

Insurance Claim

Insurance Claim Business Insurance Claim Property Damage

Best Landlord Insurance In North Carolina For Your Rental Property!

Simply Insurance

JUNE 12, 2025

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Best Landlord Insurance In New Hampshire For Your Rental Property!

Simply Insurance

JUNE 10, 2025

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Best Landlord Insurance In Delaware For Your Rental Property!

Simply Insurance

JUNE 9, 2025

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Insurance Quotes

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Roof Claims Surge: A 30% Increase from 2022 to 2024

TGS

APRIL 23, 2025

The Rising Tide of Roof Claims Several factors contribute to the surge in roof claims: Wind and Hail Damage: These elements were the primary drivers of loss costs, accounting for over half of all residential claims in 2024. Aging Roofs: Approximately 38% of U.S. Longer Claim Resolution Times: The average claim cycle time has reached 32.4

Claim

Claim Home Insurance Damage Premium

Home Insurance Coverage Gaps You Might Not Know Exist—Until It’s Too Late

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. How to fix it : Consider adding a separate flood insurance policy through FEMA’s National Flood Insurance Program (NFIP) or a private insurer.

Home Insurance

Home Insurance Out-Of-Pocket Damage Personal Property

Best Landlord Insurance In Minnesota For Your Rental Property!

Simply Insurance

JUNE 9, 2025

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The Best Renters Insurance Companies in the United States in 2025: Low Rates and Excellent Service

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.

Insurance Companies

Insurance Companies Theft Premium Damage

The Importance of Commercial Property Insurance for UK Small Businesses

Protect Commercial Insurance

JUNE 6, 2025

Introduction When it comes to safeguarding your UK small business, one crucial aspect is often overlooked: commercial property insurance. This essential coverage acts as a safety net, protecting your investments from unexpected setbacks like theft, damage, or natural disasters.

Commercial Property

Commercial Property Property Insurance Commercial Business Interruption

Best Landlord Insurance In West Virginia For Your Rental Property!

Simply Insurance

JUNE 11, 2025

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Best Landlord Insurance In New York For Your Rental Property!

Simply Insurance

JUNE 11, 2025

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Best Landlord Insurance In Wisconsin For Your Rental Property!

Simply Insurance

JUNE 11, 2025

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Best Landlord Insurance In Oklahoma For Your Rental Property!

Simply Insurance

JUNE 12, 2025

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Best Landlord Insurance In Connecticut For Your Rental Property

Simply Insurance

JUNE 9, 2025

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What Appliance Store Insurance Policies Should I Invest In?

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

Trending Sources

New Oklahoma Law Limits Post-Loss Assignment of Benefits on Property Damage

Lack of Insurable Interest Precludes Recovery for Property Damage

North Dakota Commissioner Urges Property Damage Assessment After Flash Floods

Insurance Coverage After a Raze Order: Strategies for Overcoming Ordinance or Law Exclusions

Insurance Coverage After a Raze Order: Strategies for Overcoming Ordinance or Law Exclusions

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

Carolina Woman Charged with Using Mom’s Name to Get Policy, Filing Bogus Claim

Does Commercial Property Insurance Cover Water Damage?

Standard Homeowners’ Insurance Policies Do Not Cover Flood Damage

When No One’s Home: Understanding Roleof Vacancy Insurance

Court Differentiates Vandalism from Theft in First Party Insurance Policy

Civil Remedy Notices – What Are They and What Do They Require?

Court Says Loose Bolt Remedied by Tightening Does not Constitute “Direct Physical Loss of or Damage” to Property

Policyholders and Public Adjusters Often Need to Hire Their Own Experts—Part Two

The Importance of Experts J&S Welding, Inc. v. Liberty Mutual Insurance Company

Insurance Insider: Expert tips to prevent water damage in your home.

Best Landlord Insurance In Maryland For Your Rental Property!

How Homeowners Insurance Policies Handle Mold Damage

Proactive Tips for Businesses Facing Hail Damage Claims

Best Landlord Insurance In Louisiana For Your Rental Property!

Is terrorism covered under an Australian home and contents policy?

Coverage Options for Home Insurance

What Perils Are Covered by Commercial Property Insurance?

Insurance Considerations When Expanding Your Business to a New Location

Is Your Home Ready for Severe Weather? How to Protect Your Property

Protect Your Adobe Oasis with Essential Home Insurance Tips in Michigan

Split Decision: Florida Districts Clash Over Insurance Coverage for Unperformed Repairs

Purpose Built Flats Insurance and Lift Insurance Policy?

What You Need to Know About Filing a Business Insurance Claim

Best Landlord Insurance In North Carolina For Your Rental Property!

Best Landlord Insurance In New Hampshire For Your Rental Property!

Best Landlord Insurance In Delaware For Your Rental Property!

Roof Claims Surge: A 30% Increase from 2022 to 2024

Home Insurance Coverage Gaps You Might Not Know Exist—Until It’s Too Late

Best Landlord Insurance In Minnesota For Your Rental Property!

The Best Renters Insurance Companies in the United States in 2025: Low Rates and Excellent Service

The Importance of Commercial Property Insurance for UK Small Businesses

Best Landlord Insurance In West Virginia For Your Rental Property!

Best Landlord Insurance In New York For Your Rental Property!

Best Landlord Insurance In Wisconsin For Your Rental Property!

Best Landlord Insurance In Oklahoma For Your Rental Property!

Best Landlord Insurance In Connecticut For Your Rental Property

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