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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Property Damage Damage Property Insurance Claim 193

Insurance Journal

MAY 29, 2025

California’s property insurance market remains in turmoil, exacerbated by escalating wildfire risks, insurer withdrawals, and systemic shortcomings in the state’s safety netthe California FAIR Plan.

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Property Insurance Premium Insurer Insured 162

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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Property Damage Damage Insurer Insured 130

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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Insurance Companies Damage Policyholder Property Insurance 154

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 178

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 200

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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Property Damage Policyholder Premium Damage 203

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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Damage Property Insurance Insurance Industry Building 165

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 Damage 186

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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Insurance Companies Damage Claim Property Insurance 306

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?

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Policyholder Damage Property Insurance Insurance Claim 167

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 178

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.

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Commercial Property Property Damage Property Insurance Commercial 189

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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Casualty Insurance Damage Claim Insurer 290

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.

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Commercial Property Property Insurance Damage Commercial 52

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 165

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

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Policyholder Damage Property Insurance Insurance Companies 164

Insurance Journal

JANUARY 23, 2025

Moody’s Ratings said in a report on Thursday that it expects the Los Angeles wildfires to increase property insurance costs across California. According to Moody’s, the state’s already noticeable insurance pricing and availability challenges are likely to intensify, with negative …

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Property Insurance Insurer Insured Insurance 264

Property Insurance Coverage Law

FEBRUARY 9, 2025

A Shift in Smoke Damage Claims Following Recent Holding California wildfire attorneys are closely analyzing a recent appellate court holding that sets a new precedent for smoke damage claims.1

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Damage Property Insurance Claim Insurer 196

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.

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Policyholder Property Insurance Damage Claim 140

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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Deductible Damage Property Insurance Insurer 264

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.

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Policyholder Property Insurance Damage Claim 140

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.

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Policyholder Damage Property Insurance Insurance Companies 174

Property Insurance Coverage Law

MAY 3, 2025

Insurance disputes requiring appraisal make the selection of a neutral umpire a critical turning point. In a recent federal case arising from a property damage claim, the court was asked to break … The post Why Did a Judge Select the Policyholders Umpire Over State Farms Nominees?

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Property Damage Policyholder Damage Property Insurance 191

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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Damage Claim Policyholder Property Insurance 100

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.

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Claim Damage Property Insurance Insurer 203

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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Insurance Companies Damage Policyholder Property Insurance 100

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.

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Damage Claim Policyholder Building 203

Insurance Journal

FEBRUARY 6, 2025

Wildfires are intensifying the problems in California’s property insurance market, according to a new commentary from AM Best. Those problems include a major insurer pullback from California in the past year, followed by the L.A. wildfires, which could result in …

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Property Insurance Insurer Insured Insurance 217

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.

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Damage Claim Policyholder Property Insurance 100

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.

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Policyholder Damage Property Insurance Insurance Companies 160

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.

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Policyholder Damage Property Insurance Insurance Companies 160

Property Insurance Coverage Law

AUGUST 18, 2024

Property damage insurance claims funding by factoring companies is a relatively recent phenomenon in the property insurance claims industry.

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Property Insurance Insurance Claim Claim Property Damage 189

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.

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Damage Insurer Insured Insurance 130

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.

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Damage Property Insurance Insurer Insured 230

Property Insurance Coverage Law

JULY 1, 2025

In a recent decision, 1 a federal judge noted the following in a Texas hail damage claim dispute: People in North Texas have at least a few common experiences between them: being disappointed in the Dallas Cowboys, losing Luka Dončić to the Lakers, and being in a hailstorm.

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Claim Damage Property Insurance Insurer 153

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.

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Policyholder Insurance Companies Damage Claim 203