Property Insurance Coverage Law

JULY 26, 2025

1 The case centered on an insurance coverage dispute involving a reduction in policy limits without adequate notice, and the outcome reinforces key consumer protections … The post Church Mutual Loses Jury Trial With Extra-Contractual Damages Awarded appeared first on Property Insurance Coverage Law Blog.

Damage

Property Insurance Coverage Law

JULY 26, 2025

1 The case centered on an insurance coverage dispute involving a reduction in policy limits without adequate notice, and the outcome reinforces key consumer protections … The post Church Mutual Loses Jury Trial With Extra-Contractual Damages Awarded appeared first on Property Insurance Coverage Law Blog.

Damage

Property Insurance Coverage Law

FEBRUARY 4, 2025

Coordinated efforts between federal, state, and local governments create cohesive policies that address large-scale vulnerabilities. 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

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. Shortly after the Plaintiff purchased the Policy, the house was damaged by a fire. Plaintiff submitted a claim to the Insurer for the damage. Background Caribe D.

Claim

Tosten Marketing

FEBRUARY 27, 2025

Water damage can wreak havoc on commercial properties, leading to costly repairs and business disruptions. Commercial property insurance water damage coverage is a complex topic with many nuances. What Water Damage Does Commercial Property Insurance Cover?

Commercial Property

The Property Insurance Law Observer

JUNE 12, 2025

Factual Overview This insurance coverage dispute arose from alleged roof damage caused by a hailstorm. The subject insurance policy covered direct physical loss caused by hail. The adjuster concluded that the roof was, in fact, damaged by hail. Based on the adjuster’s repair estimate, the insurer paid the claim.

Damage

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

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 …

Damage

Prof. Allan Manning

JANUARY 29, 2025

Last week I posted an article in regard to terrorism coverage under commercial property, and/or business interruption policies. In a day or two I will address Strata and after than residential landlord policies, and finally private motor. I also touched on commercial liability coverage. ” [ emphasis mine] 1. .

Policy

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

The Property Insurance Law Observer

JANUARY 23, 2025

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. 2d 684, 690 (Fla. 2d DCA 2008).

Damage

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

Property Insurance Coverage Law

MARCH 26, 2025

Their expertise in evaluating damages, interpreting policy language, and facilitating settlements is essential in restoring financial stability to individuals and businesses affected by unexpected losses.

Policyholder

Property Insurance Coverage Law

MARCH 26, 2025

Their expertise in evaluating damages, interpreting policy language, and facilitating settlements is essential in restoring financial stability to individuals and businesses affected by unexpected losses.

Policyholder

Distinguished

MAY 19, 2025

A Business Owners Policy, commonly known asa BOP bundles essential protections like property, general liability, and liquor liability into one streamlined solution. What is a Business Owners Policy (BOP)? A BOP is an efficient way to safeguard against these operational risks with one comprehensive policy.

Policy

Distinguished

MARCH 10, 2025

While adding these items to a property or package policy might seem convenient, museums face unique exposures that such generalized policies often fail to address. A stand-alone Fine Art & Collectibles insurance policy is designed to provide museums with comprehensive coverage of the items and their vulnerabilities.

Policy

The Property Insurance Law Observer

FEBRUARY 25, 2025

However, the court granted summary judgment in favor of the insurer on the bad faith claim, emphasizing that a thorough investigation into a questionable claim does not amount to bad faith Background Spinnaker Insurance Company (Spinnaker) issued a homeowners policy to Donald Jackson (Jackson) for a designated residence premises.

Claim

LexisNexis

JULY 29, 2025

Learn about the implications of form policies in regulatory disputes and coverage litigation. Standard Insurance Policy Forms Fundamentals Analyze the genesis and use of standardized insurance policy forms and the identity and background of the entities primarily responsible for their creation.

Insurance Policy

LexisNexis

JULY 1, 2025

Single-Year, Multi-Year, and Multi-Policy Insurance Coverage Claims Disputes Analyze issues that can arise for policyholders and insurers when insurance policies of various durations are called upon to answer for claims, and when multiple policies can also apply.

Policy

Property Insurance Coverage Law

MAY 24, 2025

Specifically, they do not determine whether a particular category of damage is covered under the policy. However, as recently illustrated in the Texas case of Rocha v. State Farm Lloyds, 1 appraisals do not resolve all questions.

Damage

Protect Commercial Insurance

APRIL 11, 2025

Image courtesy: Unsplash Definition and Overview Commercial property insurance is a type of insurance designed to protect your business premises and the contents within from loss or damage. This type of policy covers a wide array of potential hazards, including fire, theft, vandalism, and certain natural disasters.

Commercial Property

LexisNexis

JULY 22, 2025

Because standard policy forms are not just about saving time on drafting. Read now » Related Content Standard Insurance Policy Forms Fundamentals Checklist Peruse this overview of standard insurance policy forms to build your understanding of their history, nature, and purposes.

Insurance Policy

Simply Insurance

JUNE 28, 2025

How Much Is A $100,000 Life Insurance Policy? So whether youre just starting your search or you already have a policy and are looking for a better deal, keep reading for the best information on homeowners insurance in Maryland. Be sure to review your policy limits and deductibles carefully to make sure they fit your needs.

Home Insurance

Protect Commercial Insurance

JUNE 6, 2025

This essential coverage acts as a safety net, protecting your investments from unexpected setbacks like theft, damage, or natural disasters. Definition and Scope Commercial property insurance is a policy designed to protect businesses from financial losses related to damage or destruction of their physical assets.

Commercial Property

TGS

JUNE 11, 2025

Whether you’re a first-time homeowner or have held a policy for decades, it’s crucial to understand what your home insurance doesn’t cover just as much as what it does. Flood Damage: Not Covered by Standard Policies Here’s the big one. Most homeowners don’t realize that standard home insurance does not cover flood damage.

Home Insurance

Distinguished

MARCH 20, 2025

Unlike single-family homes, apartment complexes face heightened risks damage from one unit can quickly spread to others, liability claims can stem from common areas, and evolving building codes can demand costly upgrades. The court awarded her a staggering $13 million in damages.

Building

Distinguished

MARCH 20, 2025

Other common violations include sanitation and plumbing issues , such as leaking pipes that lead to water damage and mold growth, as well as problems with sewage and drainage systems. Both resolved and unresolved violations can affect the terms, premiums, and overall coverage of these policies.

Broker

Insurance Journal

JULY 28, 2025

As data center construction booms across the United States, a pair of legal experts recently said the lack of commercial insurance products customized for data centers present potential pitfalls that could surface if operators aren’t paying close attention to policy …

Commercial Insurance

Simply Insurance

JUNE 23, 2025

How Much Is A $100,000 Life Insurance Policy? So whether youre just starting your search or you already have a policy and are looking for a better deal, keep reading for the best information on homeowners insurance in Illinois. Be sure to review your policy limits and deductibles carefully to make sure they fit your needs.

Home Insurance

Central Insurance

JUNE 22, 2025

Learn tips to avoid costly damage and improve policy outcomes. Proper roof maintenance can protect your home—and your insurance coverage. The post Roof Maintenance: What Every Homeowner Needs to Know to Protect Their Home and Insurance appeared first on Central Insurance Blog.

Protection

Simply Insurance

JUNE 15, 2025

How Much Is A $100,000 Life Insurance Policy? So whether youre just starting your search or you already have a policy and are looking for a better deal, keep reading for the best information on homeowners insurance in Arizona. Be sure to review your policy limits and deductibles carefully to make sure they fit your needs.

Home Insurance

Shield Insurance Agency

JUNE 19, 2025

Protection Against Financial Loss It covers unexpected costs related to accidents, natural disasters, theft, lawsuits, and property damage, minimizing the financial impact of unforeseen events and helping to pay for costly damages and legal claims.

Business Insurance

Protect Commercial Insurance

MAY 9, 2025

From unforeseen damage to potential customer mishaps, there’s a lot to consider to keep your business running smoothly. Insurance helps protect those investments from potential losses due to theft, fire, or other damages. Lets dig into the key components that typically make up a robust retail shop insurance policy.

Liability Insurance

Boyle Agency Insurance

FEBRUARY 3, 2025

Contact your insurance provider to discuss adjusting your policy to cover the updated value of your property. Standard home insurance policies typically have restrictions regarding vacant homes, and this specialized coverage can bridge the gap during renovation periods.

Home Insurance

American Agents Alliance

JUNE 12, 2025

Policyholders often do not fully understand their policy or notice potential coverage gaps, yet they may expect to have coverage if they suffer a loss. Insurance coverage has become more complex in many ways, leaving policyholders without the right policies at times.

Claim

Scott Insurance

FEBRUARY 19, 2025

If heavy machinery is used in proximity to the existing apartment buildings, it raises the potential for accidents or property damage. Many builders risk insurers simply refuse to cover the existing structures during a rehab, forcing owners to secure both a builders risk policy and standalone property coverage for the existing structures. .

Underwriter

Boyle Agency Insurance

JUNE 30, 2025

Are You Covered For Flood Damage? Natural disasters such as floods can cause a lot of damage to homes and properties. You need flood insurance to cover the damage done to your home and property in NJ. A flood can happen anywhere and even minor flooding can cause a lot of damage to your property.

Damage