Damage and Insured - Insurance Industry Brief

Homes With Toxic Smoke Damage Deepen Insurance Nightmare in LA

Insurance Journal

JUNE 25, 2025

Months after fire tore through Los Angeles’ Pacific Palisades neighborhood, homeowners are struggling to get reimbursed — not for houses reduced to rubble, but for the damage of smoke and toxins in the properties that remain. For residents such as …

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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

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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

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State Farm Loses Roof Water Damage and Bad Faith Trial

Property Insurance Coverage Law

JUNE 16, 2025

A Missouri jury found that State Farm Fire and Casualty Company acted in breach of its insurance policy and engaged in vexatious refusal to pay, awarding The Progress Project, LLC substantial damages.

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State Farm Loses Roof Water Damage and Bad Faith Trial

Property Insurance Coverage Law

JUNE 16, 2025

A Missouri jury found that State Farm Fire and Casualty Company acted in breach of its insurance policy and engaged in vexatious refusal to pay, awarding The Progress Project, LLC substantial damages.

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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.

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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.

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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.

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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.

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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 …

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Damage Risk Marine Insurance

How Much Does a Heat Wave Cost? Insurers and CEOs Want to Know

Insurance Journal

JULY 1, 2025

When a hurricane or a wildfire strikes, the economic damage is usually very visible — roofs are ripped off or charred homes line roads. Heat waves cause financial damage, too, but it’s more diffuse: Farm crops might wither, construction workers …

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Damage Insurance Insurer Insured

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.

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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.

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Damage Claim Property 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.

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What Flood Insurance Does and Does Not Cover

Insurance Journal

JULY 10, 2025

it’s often a shocking discovery for property owners how expansive and expensive flood and water damage can be when a major storm devastates their homes, businesses and communities. Though natural disasters cycle across seasons and regions in the U.S., That’s …

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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 …

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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.

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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.

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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 …

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Ron Perelman’s Fight Over $410 Million in Art Insurance Goes to Trial

Insurance Journal

JUNE 2, 2025

Nearly seven years after a fire ripped through Ron Perelman’s Hamptons home, he is asking a New York state judge to force insurers to pay him more than $400 million for five paintings he says were damaged in the blaze.

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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.

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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.

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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 …

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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.

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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 …

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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 …

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Property Damage Damage Insurance Policy Policy

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.

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Insurance Policy Policy Property Damage Theft

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 …

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Damage Insurance Insurer 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.

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Insurance Claim Claim Policyholder Damage

Built to Code—Not to Carrier Convenience. OID Has to Step in to Remind Insurers to Do the Right Thing

Property Insurance Coverage Law

JUNE 30, 2025

In the wake of property damage, whether caused by wind, fire, or storm, policyholders rightly expect their insurance to cover the cost of restoring their home or business to its proper condition. OID Has to Step in to Remind Insurers to Do the Right Thing appeared first on Property Insurance Coverage Law Blog.

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Judge Says California FAIR Plan Violates Law; Industry Fights Consumer Group Suit

Insurance Journal

JUNE 26, 2025

A judge ruled that the California FAIR Plan’s smoke-damage policy violates state law, while in another matter a lawsuit from a consumer group is drawing concern from insurers that it could push the California insurance market closer to collapse. On …

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Damage Policy Insurance Insurer

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 …

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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

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10 Summer Home Maintenance Tips to Help Prevent Insurance Claims

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.

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Toyota Files $361 Million South Africa Flood Damage Lawsuit: BD Report

Insurance Journal

JUNE 20, 2025

billion rand ($361 million) in a South African court for 2022 flood damages that shuttered its plant near Durban, Business Day reported. Toyota Motors Corp. has brought a lawsuit for 6.5 The claim against Transnet SOC Ltd., the KwaZulu-Natal Department …

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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.

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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.

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Policyholder Damage Property Insurance Insurance Policy

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 …

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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 …

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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

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 …

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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 …

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Damage Claim Protection Liability 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

Homes With Toxic Smoke Damage Deepen Insurance Nightmare in LA

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

Trending Sources

What to Expect after a California Wildfire Property Damage Event

State Farm Loses Roof Water Damage and Bad Faith Trial

State Farm Loses Roof Water Damage and Bad Faith Trial

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

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

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

How Much Does a Heat Wave Cost? Insurers and CEOs Want to Know

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

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

What Flood Insurance Does and Does Not Cover

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

Ron Perelman’s Fight Over $410 Million in Art Insurance Goes to Trial

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

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

Top Mistakes That Can Destroy Your Flood Insurance Claim

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

North Dakota Commissioner Urges Property Damage Assessment After Flash Floods

What Appliance Store Insurance Policies Should I Invest In?

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

Top Mistakes That Can Destroy Your Flood Insurance Claim

Built to Code—Not to Carrier Convenience. OID Has to Step in to Remind Insurers to Do the Right Thing

Judge Says California FAIR Plan Violates Law; Industry Fights Consumer Group Suit

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

Florida Insurance Regulators Demand Fair Treatment for Policyholders

10 Summer Home Maintenance Tips to Help Prevent Insurance Claims

Toyota Files $361 Million South Africa Flood Damage Lawsuit: BD Report

Tornado Damage During Hurricanes: Navigating the Deductible Dilemma

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

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

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

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

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

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