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

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

Property Insurance Coverage Law

FEBRUARY 3, 2025

We speak deeply about policyholder issues and his heart is always in the right place. He has always welcomed me since I first stepped foot in Texas.

Damage

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

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

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

Policyholder

Insurance Journal

JUNE 1, 2025

It’s not just some Florida-domiciled insurance carriers that have allegedly altered field adjusters’ reports or low-balled property damage estimates in recent years. It’s also major national insurers, according to adjusters and policyholders who spoke at a recent U.S. Senate hearing …

Property Damage

Property Insurance Coverage Law

MAY 3, 2025

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? Assuming the appraisers reach an impasse, the umpire becomes the tie-breaking person. appeared first on Property Insurance Coverage Law Blog.

Property 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

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

The Property Insurance Law Observer

JUNE 12, 2025

Factual Overview This insurance coverage dispute arose from alleged roof damage caused by a hailstorm. The adjuster concluded that the roof was, in fact, damaged by hail. The engineer concluded that the roof damage was not caused by hail but was preexisting or due to other causes.

Damage

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.

Property Damage

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

Property Insurance Coverage Law

JULY 24, 2025

When a hurricane hits, the damage is visible: torn roofs, flooded rooms, entire neighborhoods in shambles. And for far too many policyholders, that’s when the games begin. But what’s harder to see, and often more devastating, is what happens after the storm. That’s when the claims process begins.

Claim

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

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

Property Insurance Coverage Law

JUNE 19, 2025

Citizens Property Insurance Corporation that is a significant win for policyholders. 1 At the center of the case was a dispute over how damages should be measured and presented to a jury when an insurer has outright denied coverage for a loss. Florida’s Second District Court of Appeal issued an opinion yesterday in Brito v.

Claim

Property Insurance Coverage Law

JUNE 19, 2025

Citizens Property Insurance Corporation that is a significant win for policyholders. 1 At the center of the case was a dispute over how damages should be measured and presented to a jury when an insurer has outright denied coverage for a loss. Florida’s Second District Court of Appeal issued an opinion yesterday in Brito v.

Claim

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

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

American Agents Alliance

MAY 26, 2025

Agents can differentiate themselves and add value to their services by helping policyholders proactively manage risk, not just insure it. Risk management solutions can help lower a policyholders total cost of risk and increase retention. When risks are managed well, policyholders can save money on premiums.

Agents

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. These legal factors are critical when it comes to determining liability in cases where unresolved violations have led to damages or injuries.

Broker

American Agents Alliance

JULY 17, 2025

This can create additional E&O risks for agents and brokers, however, when a policyholder misunderstands their coverage needs or policy language. Learn more about this growing challenge and how to help prevent E&O claims arising from policyholder misunderstandings. Educate policyholders without overwhelming them.

Risk

Simply Insurance

JUNE 28, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

American Agents Alliance

APRIL 3, 2025

While the relationship between tariffs and insurance costs can seem unrelated, tariffs can increase costs for insurers and policyholders. Read more to understand this relationship and how agents can help policyholders manage this uncertainty. Here are some ways agents can help: Educate policyholders about costs and rising premiums.

Agents

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

Distinguished

MARCH 6, 2025

Along with this, mold and water damage often due to leaking pipes, poor ventilation, or roof damageposes serious health hazards if not promptly repaired. These cases often focus on whether an insurer is required to cover damages when a policyholder has violated housing codes or other regulations.

Building

Simply Insurance

JUNE 23, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

LexisNexis

JULY 29, 2025

Read now » Related Content Standard Insurance Policy Forms: Implications in Regulatory Disputes and Coverage Litigation Checklist Review how policyholder and insurance company attorneys can best utilize standard insurance policy forms, including the fundamental role such forms play in regulatory and coverage disputes.

Insurance Policy

Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

Tort reform is discussed as a legislative solution to the challenge of legal system abuse excessive policyholder or plaintiff attorney practices that increase costs and time to settle insurance claims. Rising claim frequency and litigation costs put coverage affordability and availability at risk.

Commercial General Liability

LexisNexis

JULY 22, 2025

ISO Form CG 00 65 04 13 (Commercial General Liability - Electronic Data Liability Coverage Form) Dive into the Insurance Services Office (ISO) form addressing an insurer’s payment of the sums an insured becomes legally obligated to pay as damages because of "loss of electronic data" to which the insurance applies.

Insurance Policy

Simply Insurance

JUNE 15, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Triple-I: Homeowners Insurance

MAY 13, 2025

In a dynamically evolving risk environment that includes earthquakes, drought, wildfire, landslides, and damaging floods, regulatory interpretation of Proposition 103 has made it hard for some insurers to offer coverage in the state. This isnt a tenable situation for the state or its policyholders.

Risk

Distinguished

MARCH 19, 2025

Mold & Water Damage are also major concerns; leaks or excessive moisture can lead to mold growth that poses health risks. These legal factors are critical when it comes to determining liability in cases where unresolved violations have led to damages or injuries.

Building

Simply Insurance

JUNE 17, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Simply Insurance

JULY 17, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Simply Insurance

JULY 18, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance