Damage, Insured and Policyholder - Insurance Industry Brief

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

Fighting for Policyholder Rights: Florida Bad Faith Law

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

Policyholder Property Insurance Damage Insurance Companies

Fighting for Policyholder Rights: Florida Bad Faith Law

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

Policyholder Property Insurance Damage Insurance Companies

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

Property Insurance Coverage Law

FEBRUARY 3, 2025

We speak deeply about policyholder issues and his heart is always in the right place.

Damage

Damage Claim Property Insurance Policyholder

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

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 Insurer 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

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 Agent

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 Company Prevails in Hail Damage Claim Dispute—Policyholders Need to Hire Experts Right Away and Provide Access to Information

Property Insurance Coverage Law

SEPTEMBER 26, 2024

A recent federal court ruling in Missouri highlights the critical importance of admissible expert testimony in property insurance disputes.

Policyholder

Policyholder Insurance Companies Damage Claim

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

Interior Damage Claims and the Exterior Damage Requirement—Where’s the Proof?

Property Insurance Coverage Law

SEPTEMBER 16, 2024

A federal judge ruled last week that policyholders eventually have to “put up or shut up” when it comes to proving that certain interior damages caused by a storm must be the result of damage to the exterior of a building, allowing water to damage the interior of a building.

Damage

Damage Claim Policyholder Building

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

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

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.

Property Insurance

Property Insurance Policyholder Damage Claim

What Are the Duties of An Insurance Agent to the Policyholder—A Michigan Case Example

Property Insurance Coverage Law

SEPTEMBER 4, 2024

The duties of an insurance agent to the policyholder will differ depending on state law. Yesterday’s post about a Michigan coverage case, Order and Bind Insurance Before the Loss—Commercial Policy Covers Water Damage Under Drain Backup Endorsement, noted that there was also an issue with insurance agent negligence.

Policyholder

Policyholder Insurance Agent Insurance Agents Agents

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

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.

Property Insurance

Property Insurance Policyholder Damage Claim

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

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

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

Property Insurance Coverage Law

FEBRUARY 3, 2025

We speak deeply about policyholder issues and his heart is always in the right place.

Damage

Damage Claim Property Insurance Policyholder

The Façade of Consumer Protection: How Florida’s Political Leadership Continues to Favor Insurance Companies Over Policyholders — Are Florida’s Politicians in Bed with the Insurance Industry?

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

Policyholder Insurance Companies Insurance Industry Protection

Florida CFO Bars Insurers From Altering Adjusters’ Reports Without Explanation

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

Policyholder Claim Damage Insurer

Navigating Hurricane Helene and Milton NFIP Claims: Documenting Repairs and Understanding Prior Damage Requirements

Property Insurance Coverage Law

OCTOBER 14, 2024

Following Hurricanes Helene and Milton, many Florida and southeast residents are left grappling with flood damage – some for the second or third time in recent years.

Damage

Damage Claim Policyholder Property Insurance

Want to Win a Hailstorm Damage Lawsuit? Hire The Right Experts and Establish a Theory of Loss Before Filing a Lawsuit

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

Damage Policyholder Property Insurance Insurance Companies

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 Insurer

Hurricane Katrina Claim Leads to Significant Punitive Damages Award—Mississippi Recognizes Common Law Obligations of Good Faith

Property Insurance Coverage Law

DECEMBER 7, 2024

The Mississippi Supreme Court has affirmed a $10 million punitive damages award against USAA for its bad faith handling of a Hurricane Katrina claim, sending a clear message about insurers’ obligations to their policyholders.1

Damage

Damage Claim Policyholder Property Insurance

Policyholders, Public Adjusters, and Contractors Beware! Marshall Fire Claims Set to Expire on December 30, 2024 – What You Need to Know Now

Property Insurance Coverage Law

NOVEMBER 8, 2024

It is estimated that the Marshall Fire totally destroyed no less than 1,084 homes, and damaged thousands more with penetrating toxins of smoke, ash, char, and soot. Sadly, almost three years after the Marshall Fire caused … The post Policyholders, Public Adjusters, and Contractors Beware!

Policyholder

Policyholder Claim Property Insurance Damage

California Commissioner Orders Insurance Cancelation Moratorium for 185K Residents

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

Policyholder Insurer Insurance Insured

Explaining Deductibles After Multiple Florida Hurricanes

Insurance Journal

OCTOBER 15, 2024

They provide some premium relief for the insured. They make insureds less likely to file smaller claims because either damage falls within the deductible, or is so close to it that the policyholder would rather not … Deductibles serve several purposes.

Deductible

Deductible Policyholder Premium Damage

State Farm Wins Worn-Out Plumbing Case: Ensuing Water Damage Not Covered Under State Farm’s Language

Property Insurance Coverage Law

DECEMBER 1, 2024

This post gives State Farm a three-day winning hat trick following State Farm Wins Alabama Worn Out Roof Damage Case: Lesson About Hail Damage Cases, … The post State Farm Wins Worn-Out Plumbing Case: Ensuing Water Damage Not Covered Under State Farm’s Language appeared first on Property Insurance Coverage Law Blog.

Damage

Damage Property Insurance Insurer Insurance

What to Know About Deductibles After Multiple Florida Hurricanes

Insurance Journal

NOVEMBER 17, 2024

They provide some premium relief for the insured. They make insureds less likely to file smaller claims because either damage falls within the deductible, or is so close to it that the policyholder would rather not … Deductibles serve several purposes.

Deductible

Deductible Policyholder Premium Damage

New Mexico Superintendent of Insurance Takes Issue with Ruling on Living Expenses

Insurance Journal

JULY 24, 2024

does not have to comply with a provision of the New Mexico Superintendent of Insurance emergency order for insurers to pay $5,000 in living expenses to policyholders forced … A Santa Fe District Court ruling that State Farm and Casualty Co.

Policyholder

Policyholder Insurer Insurance Insured

What Is Recoverable Depreciation in Home Insurance?

Property Insurance Coverage Law

SEPTEMBER 15, 2024

If you’ve suffered property loss or damage, knowing what your insurance covers is crucial. Understanding recoverable depreciation can help policyholders get the full replacement cost for damaged or destroyed items, not just their depreciated value. What … The post What Is Recoverable Depreciation in Home Insurance?

Home Insurance

Home Insurance Policyholder Damage Property Insurance

State Farm Wins Texas Worn-Out Roof Damage Case: Lesson About Texas Hail Damage Cases, Expert Testimony, and the Very Unique Texas Concurrent Causation Rule

Property Insurance Coverage Law

NOVEMBER 30, 2024

Yesterday’s article, State Farm Wins Alabama Worn Out Roof Damage Case: Lesson About Hail Damage Cases, Expert Testimony, and Investigation Standards, deserves a follow-up about a recent Texas federal court ruling regarding Texas hail damage to roof cases.

Damage

Damage Property Insurance Claim Insurer

California Smoke Soot and Ash Claims—A Cause for Concern

Property Insurance Coverage Law

JANUARY 24, 2025

Journalist Jack Healy of the New York Times wrote an article,Their Homes Are Intact, but the Fire Damage Inside Is Unbearable. Healy accompanied wildfire victims back to their homes after the event.

Claim

Claim Property Insurance Damage Insurer

Policyholders Win a Covid Case! North Carolina Supreme Court Rules Government Closure Order Can Result In “Direct Physical Damage”

Property Insurance Coverage Law

DECEMBER 15, 2024

I have a vision of Amy Bach, the Executive Director of United Policyholders, jumping for joy as she read the North Carolina Supreme Court opinion, which the insurance industry must think of as a Friday the 13th ruling.

Policyholder

Policyholder Damage Property Insurance Insurance Industry

Public Adjusters Prohibited in Arkansas

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. However, policyholders … The post Public Adjusters Prohibited in Arkansas appeared first on Property Insurance Coverage Law Blog.

Property Damage

Property Damage Policyholder Property Insurance Damage

When is a Collapse Not a Collapse? The Importance of Proving Damages for Partial Losses

Property Insurance Coverage Law

DECEMBER 17, 2024

A recent builders risk insurance dispute out of Tennessee 1 involving collapse caught my attention because of the opening facts recited by the court: How many fallen bricks does a collapse make? The Importance of Proving Damages for Partial Losses appeared first on Property Insurance Coverage Law Blog.

Damage

Damage Property Insurance Risk Insurer

Is the Exact Date of Loss Required in Pleadings Rather Than a Claim and Proof That a Loss Occurred During the Policy Period?

Property Insurance Coverage Law

SEPTEMBER 22, 2024

A recent ruling by a federal trial court stated that the policyholder claimed that a severe hailstorm on May 28, 2021, caused extensive damage to his property, including damage to the roof, vents, flashings, windows, window screens, fascia, gutters, downspouts, and HVAC system.

Claim

Claim Policy Policyholder Damage

California Wildfire Destroys 243 Structures, Cancellation Moratorium Issued

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

Policyholder Insurance Companies Insurer Insurance

Valuables Insurance Coverage: Art Insurance Fire Claim Headed to Trial

Property Insurance Coverage Law

AUGUST 14, 2024

One of the more complex damage issues that must be addressed in all fire, smoke, and heat claims is the amount of damage to personal property in areas of a structure far away from the main fire.

Claim

Claim Personal Property Damage Insurer

What Is Hazard Insurance for Homeowners and What Does It Cover?

Property Insurance Coverage Law

SEPTEMBER 23, 2024

Knowing exactly what hazard insurance is (and isn’t) can help protect you financially during a crisis. So, how does hazard insurance work exactly? Key Takeaways: Hazard insurance refers to the part of a homeowners policy that covers damage to the structure. appeared first on Property Insurance Coverage Law Blog.

Damage

Damage Property Insurance Insurer Insurance

Louisiana Court Finds That an Insured Breached its Duty to Cooperate

The Property Insurance Law Observer

JULY 25, 2024

June 24, 2024) offers valuable lessons for policyholders regarding the importance of cooperation in the insurance claims process. In Marcantel , the plaintiff suffered damage from Hurricane Laura at two properties in Louisiana. The ruling in Marcantel emphasizes the importance of cooperation in the insurance claims process.

Damage

Damage Personal Property Policyholder Claim

Florida Insurance Regulators Demand Fair Treatment for Policyholders

Fighting for Policyholder Rights: Florida Bad Faith Law

Trending Sources

Fighting for Policyholder Rights: Florida Bad Faith Law

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

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

Lack of Insurable Interest Precludes Recovery for Property Damage

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

Carolina Agents, Insureds Stunned by Unprecedented Damage So Far Inland

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

Insurance Company Prevails in Hail Damage Claim Dispute—Policyholders Need to Hire Experts Right Away and Provide Access to Information

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

Interior Damage Claims and the Exterior Damage Requirement—Where’s the Proof?

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

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

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

What Are the Duties of An Insurance Agent to the Policyholder—A Michigan Case Example

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

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

Smoke Damage Claims

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

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

The Façade of Consumer Protection: How Florida’s Political Leadership Continues to Favor Insurance Companies Over Policyholders — Are Florida’s Politicians in Bed with the Insurance Industry?

Florida CFO Bars Insurers From Altering Adjusters’ Reports Without Explanation

Navigating Hurricane Helene and Milton NFIP Claims: Documenting Repairs and Understanding Prior Damage Requirements

Want to Win a Hailstorm Damage Lawsuit? Hire The Right Experts and Establish a Theory of Loss Before Filing a Lawsuit

Tornado Damage During Hurricanes: Navigating the Deductible Dilemma

Hurricane Katrina Claim Leads to Significant Punitive Damages Award—Mississippi Recognizes Common Law Obligations of Good Faith

Policyholders, Public Adjusters, and Contractors Beware! Marshall Fire Claims Set to Expire on December 30, 2024 – What You Need to Know Now

California Commissioner Orders Insurance Cancelation Moratorium for 185K Residents

Explaining Deductibles After Multiple Florida Hurricanes

State Farm Wins Worn-Out Plumbing Case: Ensuing Water Damage Not Covered Under State Farm’s Language

What to Know About Deductibles After Multiple Florida Hurricanes

New Mexico Superintendent of Insurance Takes Issue with Ruling on Living Expenses

What Is Recoverable Depreciation in Home Insurance?

State Farm Wins Texas Worn-Out Roof Damage Case: Lesson About Texas Hail Damage Cases, Expert Testimony, and the Very Unique Texas Concurrent Causation Rule

California Smoke Soot and Ash Claims—A Cause for Concern

Policyholders Win a Covid Case! North Carolina Supreme Court Rules Government Closure Order Can Result In “Direct Physical Damage”

Public Adjusters Prohibited in Arkansas

When is a Collapse Not a Collapse? The Importance of Proving Damages for Partial Losses

Is the Exact Date of Loss Required in Pleadings Rather Than a Claim and Proof That a Loss Occurred During the Policy Period?

California Wildfire Destroys 243 Structures, Cancellation Moratorium Issued

Valuables Insurance Coverage: Art Insurance Fire Claim Headed to Trial

What Is Hazard Insurance for Homeowners and What Does It Cover?

Louisiana Court Finds That an Insured Breached its Duty to Cooperate

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