Damage and Insured - Insurance Industry Brief

What to Expect after a California Wildfire Property Damage Event

Property Insurance Coverage Law

FEBRUARY 11, 2025

Will My Insurer Pay Me 100% of My Contents Claim After a Wildfire Loss? Californias Insurance Commissioner Thinks They Should Without an Inventory Experiencing the loss of your home and personal belongings in a wildfire is an unimaginable hardship.

Property Damage

Property Damage Damage Property Insurance Claim

Why You Must Bring More Than Invoices: What Public Adjusters and Policyholders Must Learn About Proof of Damages

Property Insurance Coverage Law

MAY 8, 2025

In a recent decision that should raise red flags for public adjusters and policyholders, a federal judge granted summary judgment in favor of Indian Harbor Insurance Company. 1 The ruling is a lesson that when it comes to insurance claims and litigation, it is not enough to argue about fairness or merely present repair invoices.

Policyholder

Policyholder Damage Property Insurance Insurance Claim

Lack of Insurable Interest Precludes Recovery for Property Damage

The Property Insurance Law Observer

MARCH 20, 2025

Hawley Insurance Co. 2025)), the United States District Court for the Southern District of New York determined that the plaintiff lacked an insurable interest in property it insured because it did not own or possess the property or suffer economic loss due to the propertys destruction. In Ram Krishana Inc.

Property Damage

Property Damage Damage Insured Insurance

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

Property Insurance Coverage Law

MARCH 2, 2025

State Farm policyholders should be aware of its companys water damage claims processes, as noted in State Farms Water Protocol. These are some of … The post State Farm Water Damage Protocols and Insurance Company Expert Witnesses appeared first on Property Insurance Coverage Law Blog.

Insurance Companies

Insurance Companies Damage Policyholder Property Insurance

Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim

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

Damage Claim Policyholder Property Insurance

Sweden Probe Finds No Conclusive Evidence of Deliberate Damage to Subsea Cables

Insurance Journal

APRIL 16, 2025

A Swedish probe found no conclusive evidence to suggest that a Chinese ship had deliberately dragged its anchor to damage two Baltic Sea cables, Sweden’s Accident Investigation Authority said on Tuesday, though a separate investigation remains under way. The Yi …

Damage

Damage Risk Marine Insurance

Residential Property Damage Lawyers Beware: Court Excludes Expert’s Estimate Finding an Estimate Is Not an Adjustment

Property Insurance Coverage Law

FEBRUARY 15, 2025

Hurricane claims attorneys know that the estimate of damages caused by a storm is the foundation of every favorable judgment and jury verdict.

Property Damage

Property Damage Damage Property Insurance 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

Carolina Agents, Insureds Stunned by Unprecedented Damage So Far Inland

Insurance Journal

OCTOBER 1, 2024

Insurance agents in the mountain city of Asheville, North Carolina, said they and their policyholders have been stunned by the catastrophic damage brought so far inland by Hurricane Helene, which dumped 14 inches of rain on the picturesque community and …

Damage

Damage Agents Policyholder Insurance Agents

Francine Estimated to Cause $9B in Damage With $1.5B in Insured Losses

Insurance Journal

SEPTEMBER 12, 2024

A preliminary estimate shows total damage and economic loss from Hurricane Francine in the U.S. The storm effects are continuing to be felt, and some areas have yet to report complete information about damage, … is expected to be $9 billion.

Damage

Damage Insured Insurance Insurer

Heritage Files Libel, Defamation Suit vs. Adjuster After ’60 Minutes’ Report

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

Casualty Insurance Damage Claim Insured

Insurance Claims Confirm Many Israeli Structures Damaged in Iran Attack

Insurance Journal

OCTOBER 14, 2024

Damage to private property from Iran’s recent missile barrage on Israel amounted to 150 million to 200 million shekels ($40 million to $53 million), according to figures provided by Israel’s tax authority, making it the costliest since the start of …

Damage

Damage Insurance Claim Claim Insured

Top Mistakes That Can Destroy Your Flood Insurance Claim

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 Claim Claim Policyholder Property Insurance

CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management

Property Insurance Coverage Law

SEPTEMBER 30, 2024

In a shocking exposé aired last night on CBS’s 60 Minutes, allegations of widespread insurance fraud by insurance companies following Hurricane Ian were exposed.

Insurance Companies

Insurance Companies Damage Claim Property Insurance

Where Is the National Plan for Structural Resiliency? If there is to Be Available and Affordable Insurance, Then Property Has to Be More Resilient to Damage

Property Insurance Coverage Law

FEBRUARY 4, 2025

Stakeholders within the insurance industry have rightfully been calling for more leadership … The post Where Is the National Plan for Structural Resiliency? If there is to Be Available and Affordable Insurance, Then Property Has to Be More Resilient to Damage appeared first on Property Insurance Coverage Law Blog.

Damage

Damage Property Insurance Insurance Industry Building

Top Mistakes That Can Destroy Your Flood Insurance Claim

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 Claim Claim Policyholder Property Insurance

Insurers Say Honda and Local Dealer Should Pay for Damages Caused by Car Fire

Insurance Journal

SEPTEMBER 3, 2024

Three insurers that paid more than $1 million in auto and property damage claims to a New York couple and their homeowners association are attempting to recover the payments from the giant car maker and local dealership. The claims stemmed …

Damage

Damage Property Damage Claim Insured

Agents Report Limited Damage But More Claims Expected As Floridians Return Home

Insurance Journal

OCTOBER 11, 2024

Insurance agents and carriers in the path of Hurricane Milton reported only minor damage to their own offices and homes but a rapidly growing number of claims from residential and commercial policyholders for roof, flood and auto damage. The Florida …

Damage

Damage Agents Claim Policyholder

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

Unnamed Storm in Carolinas Caused $7 Billion in Damage, AccuWeather Says

Insurance Journal

SEPTEMBER 19, 2024

The storm that swamped parts of the Carolinas this week wasn’t organized enough to be named but it still has caused $7 billion in damage, according to a preliminary estimate from AccuWeather. That was approaching the $9 billion in damage …

Damage

Damage Insurance Insurer Insured

Damage From Hurricane Beryl May Cost Insurers $2.7B in US, $510M in Caribbean: KCC

Insurance Journal

JULY 11, 2024

Insurers in the United States may take a hit of about $2.7 billion from damage caused by Hurricane Beryl, catastrophe modeling company Karen Clark & Co (KCC) said on Thursday. million customers remained without power in Texas on …

Damage

Damage Insured Insurance Insurer

Florida Insurance Regulators Demand Fair Treatment for Policyholders

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

Policyholder Property Insurance Damage Insurance Claim

An Estimated 290 Residences Damaged by Flooding From Lake Dammed by Alaska Glacier

Insurance Journal

AUGUST 14, 2024

Roughly 290 residences in Alaska’s capital city were damaged last week by flooding from a lake dammed by the Mendenhall Glacier, officials said. In addition to the homes and apartment and condo units, at least two businesses were damaged, Deputy …

Damage

Damage Property Insurance Insurance Insurer

Tornado Damage During Hurricanes: Navigating the Deductible Dilemma

Property Insurance Coverage Law

OCTOBER 15, 2024

This year, a record-tying … The post Tornado Damage During Hurricanes: Navigating the Deductible Dilemma appeared first on Property Insurance Coverage Law Blog. Opinions expressed are solely his own and are not meant to express the views or opinions of the IAUA.

Deductible

Deductible Damage Property Insurance Insured

NFIP Escapes Payment with Form Over Substance Rules: The Need for Reform of the National Flood Insurance Program

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 Wright National Flood Insurance Company 1 highlights a harsh reality for policyholders seeking to recover under the National Flood Insurance Program (NFIP).Strict

Policyholder

Policyholder Property Insurance Damage Insurance Companies

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

Property Insurance Coverage Law

MARCH 2, 2025

State Farm policyholders should be aware of its companys water damage claims processes, as noted in State Farms Water Protocol. These are some of … The post State Farm Water Damage Protocols and Insurance Company Expert Witnesses appeared first on Property Insurance Coverage Law Blog.

Insurance Companies

Insurance Companies Damage Policyholder Property Insurance

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

Insurers Paid $612M on Kansas Storm Damage Claims in 2024

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

Damage Claim Insurance Companies Insured

Smoke Damage Claims

Property Insurance Coverage Law

MARCH 16, 2025

Public adjusters, policyholders, and attorneys keep asking me about the recent California smoke damage case where the court held that the smoke damage was not covered under the policy.I wrote about that decision in California Wildfire Attorneys Consider Impact of New Smoke Caselaw.

Damage

Damage Claim Policyholder Property Insurance

Hurricane Helene Halts Poultry Plants, Damages Pecan Trees

Insurance Journal

SEPTEMBER 30, 2024

Hurricane Helene has halted chicken processing plant operations and caused severe damage to some flocks, while also downing pecan trees and flattening cotton crops, as floodwaters swamped the southern US. Wayne-Sanderson Farms said its Moultrie, Georgia, processing facility will not …

Damage

Damage Insurance Insurer Insured

North Carolina Calculates Helene Damage at $58B, Far More than Florence

Insurance Journal

OCTOBER 25, 2024

AP) — The catastrophic flooding and destruction caused by Hurricane Helene in western North Carolina likely caused at least a record $53 billion in damages and recovery needs, Gov. RALEIGH, N.C. (AP) Roy Cooper’s administration said Wednesday. The state budget office …

Damage

Damage Insurance Insurer Insured

Damage Predictions Mount as Helene Strengthens: Atlanta in Its Path

Insurance Journal

SEPTEMBER 26, 2024

As Hurricane Helene gains strength in the unusually warm waters of the northern Gulf of Mexico, forecasters, claims adjusting firms and analytics experts are warning that the storm could be more damaging than other recent storms that hit the same …

Damage

Damage Claim Insurance Insurer

What Damages Are Covered by a CGL Policy?

Central Insurance

DECEMBER 12, 2024

Learn what damages a CGL policy covers, common exclusions, and how tailored endorsements protect contractors and builders. The post What Damages Are Covered by a CGL Policy? appeared first on Central Insurance Blog.

Damage

Damage Policy Protection Insured

Fire-Damaged Cannabis Grower Loses $1.3 Million Business Income Loss Claim

Insurance Journal

JANUARY 22, 2025

A cannabis growing company has lost its bid to have its insurer cover $1.3 million in claimed business income losses after a building fire damaged almost 1,000 of its marijuana plants and shuttered one of its “flowering” rooms. A federal …

Damage

Damage Claim Building Business Interruption

Finland Power Grid Operator Asks Court to Seize Oil Tanker Over Cable Damage

Insurance Journal

JANUARY 3, 2025

Finland’s national power grid operator said on Thursday it had asked a Helsinki court to seize the Eagle S oil tanker in a bid to secure the company’s claim for damages related to the breakdown of the undersea Estlink 2 …

Damage

Damage Claim Protection Liability Insurance

CBO Says Mortgage Subsidy Cost from Flood Damage to Hit $395M by 2053

Insurance Journal

JULY 11, 2024

posing greater risks to homeowners and mortgage lenders—and since flood damage tends to lower the market value of affected homes, it’s more likely that homeowners … Climate change is expected to increase the frequency and severity of floods in the U.S.,

Damage

Damage Risk Property Insurance Insurance

Cargo Ship Sustains Damage After Houthi Attack in Gulf of Aden

Insurance Journal

JULY 19, 2024

A Singaporean-flagged cargo vessel was hit by Yemen’s Houthi missiles in the Gulf of Aden on Friday, forcing it to return to its last port of call to assess the damage. Iran-aligned Houthis launched ballistic missiles and drones towards the …

Damage

Damage Risk Marine Insurance

Old Damage, New Claim: Davies Risk Head Notes Rise in ‘Soft Fraud’ in Southeast

Insurance Journal

DECEMBER 2, 2024

With multiple hurricanes rocking Florida and other parts of the Southeast this year, claims professionals have said they are seeing a trend toward “soft fraud,” with more policyholders attempting to include older or unrelated damage in recent storm claims, and …

Damage

Damage Claim Policyholder Risk

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

Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim

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

Damage Claim Policyholder Property Insurance

Sweden Seizes Ship Suspected of Sabotage in Baltic Sea

Insurance Journal

JANUARY 27, 2025

Sweden detained a vessel suspected of damaging a subsea data cable connecting it with Latvia, the third such incident in the Baltic Sea in the past three months. The Security Service said it’s conducting a preliminary investigation into the crime …

Crime

Crime Damage Protection Liability Insurance

Extreme Canada Weather Causes Record $5.7 Billion Insured Damage

Insurance Journal

SEPTEMBER 24, 2024

billion) of insured losses across Canada in just two months — more than any other summer on record. An onslaught of four natural disasters caused C$7.1 billion ($5.3 In July and August, a ballistic hailstorm tore through cars and buildings …

Damage

Damage Building Insured Insurance

Decision: Insurer Prevails on Motion in Limine to Exclude RCV Evidence at Trial

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. LEXIS 219390 (M.D.

Damage

Damage Insured Insurance Insurer

Head of Kentucky Plant Says Company Will Cover Damages After Blast

Insurance Journal

NOVEMBER 17, 2024

AP) — The president of a Kentucky plant that exploded earlier this week said the company is accountable for the accident and will pay damages to residents affected by the blast. LOUISVILLE, Ky. (AP) “First and foremost, we are devastated by …

Damage

Damage Workers Compensation Compensation Commercial

What to Expect after a California Wildfire Property Damage Event

Why You Must Bring More Than Invoices: What Public Adjusters and Policyholders Must Learn About Proof of Damages

Trending Sources

Lack of Insurable Interest Precludes Recovery for Property Damage

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim

Sweden Probe Finds No Conclusive Evidence of Deliberate Damage to Subsea Cables

Residential Property Damage Lawyers Beware: Court Excludes Expert’s Estimate Finding an Estimate Is Not an Adjustment

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

Carolina Agents, Insureds Stunned by Unprecedented Damage So Far Inland

Francine Estimated to Cause $9B in Damage With $1.5B in Insured Losses

Heritage Files Libel, Defamation Suit vs. Adjuster After ’60 Minutes’ Report

Insurance Claims Confirm Many Israeli Structures Damaged in Iran Attack

Top Mistakes That Can Destroy Your Flood Insurance Claim

CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management

Where Is the National Plan for Structural Resiliency? If there is to Be Available and Affordable Insurance, Then Property Has to Be More Resilient to Damage

Top Mistakes That Can Destroy Your Flood Insurance Claim

Insurers Say Honda and Local Dealer Should Pay for Damages Caused by Car Fire

Agents Report Limited Damage But More Claims Expected As Floridians Return Home

North Dakota Commissioner Urges Property Damage Assessment After Flash Floods

Unnamed Storm in Carolinas Caused $7 Billion in Damage, AccuWeather Says

Damage From Hurricane Beryl May Cost Insurers $2.7B in US, $510M in Caribbean: KCC

Florida Insurance Regulators Demand Fair Treatment for Policyholders

An Estimated 290 Residences Damaged by Flooding From Lake Dammed by Alaska Glacier

Tornado Damage During Hurricanes: Navigating the Deductible Dilemma

NFIP Escapes Payment with Form Over Substance Rules: The Need for Reform of the National Flood Insurance Program

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

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

Insurers Paid $612M on Kansas Storm Damage Claims in 2024

Smoke Damage Claims

Hurricane Helene Halts Poultry Plants, Damages Pecan Trees

North Carolina Calculates Helene Damage at $58B, Far More than Florence

Damage Predictions Mount as Helene Strengthens: Atlanta in Its Path

What Damages Are Covered by a CGL Policy?

Fire-Damaged Cannabis Grower Loses $1.3 Million Business Income Loss Claim

Finland Power Grid Operator Asks Court to Seize Oil Tanker Over Cable Damage

CBO Says Mortgage Subsidy Cost from Flood Damage to Hit $395M by 2053

Cargo Ship Sustains Damage After Houthi Attack in Gulf of Aden

Old Damage, New Claim: Davies Risk Head Notes Rise in ‘Soft Fraud’ in Southeast

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

Brotherhood Mutual Hit With $35 Million Punitive Award on Roof Damage Claim

Sweden Seizes Ship Suspected of Sabotage in Baltic Sea

Extreme Canada Weather Causes Record $5.7 Billion Insured Damage

Decision: Insurer Prevails on Motion in Limine to Exclude RCV Evidence at Trial

Head of Kentucky Plant Says Company Will Cover Damages After Blast

Stay Connected