Damage, Insurer and Property Insurance - 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

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 Insurance Insurer

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

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

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

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.

Damage

Damage Commercial Property Commercial Property Insurance

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.

Damage

Damage Commercial Property Commercial Property Insurance

Expert Witness Testimony and the Lack of It Can Lose Property Insurance Cases

Property Insurance Coverage Law

JULY 3, 2025

A recent appellate decision offers an instructive example of how procedural missteps and insufficient expert disclosures can prove fatal to a policyholder’s insurance claim. 1 The case arose from property damage allegedly caused by Hurricane Irma in 2017.

Property Insurance

Property Insurance Property Damage Damage Insurance Claim

Viewpoint: California’s Property Insurance Crisis And The Path to Reform

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.

Property Insurance

Property Insurance Premium Insurance Insurer

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

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

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 Damage

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

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 Damage Property Insurance Insurance Claim

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 Damage

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

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 Damage Property Insurance Insurance Policy

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

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

When Vandals Trigger the Sprinklers: The Battle Over Resulting Losses

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.

Commercial Property

Commercial Property Property Damage Property Insurance Commercial

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 Damage Property Insurance Insurance Companies

Appraisers Can Decide Causation: A Victory for the Integrity of the Appraisal Process in Indiana

Property Insurance Coverage Law

JULY 28, 2025

In a decision with far-reaching implications for the appraisal process in property insurance disputes, the Seventh Circuit Court of Appeals affirmed last week that appraisers may determine the cause of loss when establishing the amount of loss. The case, Mesco Manufacturing, LLC v.

Property Insurance

Property Insurance Commercial Damage Insurance Companies

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.

Policyholder

Policyholder Property Insurance Damage Claim

Church Mutual Loses Jury Trial With Extra-Contractual Damages Awarded

Property Insurance Coverage Law

JULY 26, 2025

Church Mutual Insurance Company. In a significant win for a church, a United States District Court in Texas recently issued a decisive ruling in First Baptist Church of Sour Lake v.

Damage

Damage Property Insurance Insurance Companies Protection

Church Mutual Loses Jury Trial With Extra-Contractual Damages Awarded

Property Insurance Coverage Law

JULY 26, 2025

Church Mutual Insurance Company. In a significant win for a church, a United States District Court in Texas recently issued a decisive ruling in First Baptist Church of Sour Lake v.

Damage

Damage Property Insurance Insurance Companies Protection

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 Damage Property Insurance Insurance Policy

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 Damage Property Insurance Insurance Companies

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

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.

Policyholder

Policyholder Property Insurance Damage Claim

Lawsuit Challenges Florida’s Citizens Claims Arbitration by Administrative Judges

Insurance Journal

JULY 14, 2025

A Miami homeowner is suing Florida’s Citizens Property Insurance Corp. for forcing him into arbitration over a 2024 damage claim dispute, claiming the process violates due process and equal protection rights. Stainton Williams, 92, contends the damage to his home …

Claim

Claim Damage Property Insurance Protection

Appraisal Award Upheld for Amount Greater than Policyholder’s Original Proof of Loss

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.

Policyholder

Policyholder Damage Property Insurance Insurance Companies

A Comprehensive Guide to Understanding Commercial Property Insurance

Protect Commercial Insurance

APRIL 11, 2025

Navigating the world of insurance can feel overwhelming, especially when it comes to understanding commercial property insurance. This friendly guide will walk you through the essentials of commercial property insurance, helping you protect your business premises and assets with confidence. Let’s dive in!

Commercial Property

Commercial Property Property Insurance Commercial Insurance

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.

Property Damage

Property Damage Policyholder Premium Damage

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 Damage Property Insurance Insurance Companies

Why Did a Judge Select the Policyholder’s Umpire Over State Farm’s Nominees?

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?

Property Damage

Property Damage Policyholder Damage Property Insurance

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. But what exactly does it entail?

Commercial Property

Commercial Property Property Insurance Commercial Business Interruption

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 Insurance Insurer Insured

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 Damage Property Insurance Insurer

What Perils Are Covered by Commercial Property Insurance?

Property Insurance Centre

FEBRUARY 10, 2025

What Perils Are Covered by Commercial Property Insurance? Commercial property insurance is essential for businesses to protect their assets from unforeseen events. But what exactly does commercial property insurance cover? But what exactly does commercial property insurance cover?

Commercial Property

Commercial Property Property Insurance Commercial Boiler and Machinery

Appraisal Isn’t Everything: Why Coverage Still Controls Insurance Payments After Appraisal

Property Insurance Coverage Law

MAY 24, 2025

Specifically, they do not determine whether a particular category of damage is covered under the policy. This distinction between the … The post Appraisal Isnt Everything: Why Coverage Still Controls Insurance Payments After Appraisal appeared first on Property Insurance Coverage Law Blog.

Damage

Damage Property Insurance Insurance Insurer

California Wildfire Attorneys Consider Impact of New Smoke Caselaw

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

Damage

Damage Property Insurance Claim Insurer

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

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

The Property Insurance Law Observer

JUNE 12, 2025

Mid-Century Insurance Company (2025 WL 1540329) (10th Cir. 2025)), the Tenth Circuit Court of Appeals affirmed summary judgement on behalf of the insurer on the basis that the insurer did not act in bad faith when it denied the insured’s claim based on an engineering report that contradicted an adjuster’s initial findings.

Damage

Damage Claim Insurance Companies Policyholder

Noncompliance With Policy’s “Duties After Loss” Provision Leads to Denial of Fire Loss Claim

The Property Insurance Law Observer

MAY 20, 2025

Insurer) motion for summary judgment, holding that the Insurer was prejudiced by its insureds failure to cooperate with the Policys Duties After Loss provision. Billie (Plaintiff) purchased a house in Waterbury, Connecticut, and obtained homeowners insurance through the Insurer. Background Caribe D.

Claim

Claim Damage Property Damage Policy

What to Expect after a California Wildfire Property Damage Event

Lack of Insurable Interest Precludes Recovery for Property Damage

Trending Sources

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

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

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

State Farm Loses Roof Water Damage and Bad Faith Trial

State Farm Loses Roof Water Damage and Bad Faith Trial

Expert Witness Testimony and the Lack of It Can Lose Property Insurance Cases

Viewpoint: California’s Property Insurance Crisis And The Path to Reform

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

State Farm Water Damage Protocols and Insurance Company Expert Witnesses

Top Mistakes That Can Destroy Your Flood Insurance Claim

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

Florida Insurance Regulators Demand Fair Treatment for Policyholders

Top Mistakes That Can Destroy Your Flood Insurance Claim

Does Commercial Property Insurance Cover Water Damage?

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

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

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

When Vandals Trigger the Sprinklers: The Battle Over Resulting Losses

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

Appraisers Can Decide Causation: A Victory for the Integrity of the Appraisal Process in Indiana

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

Church Mutual Loses Jury Trial With Extra-Contractual Damages Awarded

Church Mutual Loses Jury Trial With Extra-Contractual Damages Awarded

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

Fighting for Policyholder Rights: Florida Bad Faith Law

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

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

Lawsuit Challenges Florida’s Citizens Claims Arbitration by Administrative Judges

Appraisal Award Upheld for Amount Greater than Policyholder’s Original Proof of Loss

A Comprehensive Guide to Understanding Commercial Property Insurance

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

Fighting for Policyholder Rights: Florida Bad Faith Law

Why Did a Judge Select the Policyholder’s Umpire Over State Farm’s Nominees?

The Importance of Commercial Property Insurance for UK Small Businesses

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

California Smoke Soot and Ash Claims—A Cause for Concern

What Perils Are Covered by Commercial Property Insurance?

Appraisal Isn’t Everything: Why Coverage Still Controls Insurance Payments After Appraisal

California Wildfire Attorneys Consider Impact of New Smoke Caselaw

When No One’s Home: Understanding Roleof Vacancy Insurance

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

Noncompliance With Policy’s “Duties After Loss” Provision Leads to Denial of Fire Loss Claim

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