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

Central Insurance

JUNE 10, 2025

Explore essential appliance store insurance policies to protect your business from liability, theft, property damage, and employee injuries. The post What Appliance Store Insurance Policies Should I Invest In? appeared first on Central Insurance Blog.

Insurance Policy

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

JULY 3, 2025

1 The case arose from property damage allegedly caused by Hurricane Irma in 2017. 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.

Property Insurance

The Property Insurance Law Observer

MAY 20, 2025

Shortly after the Plaintiff purchased the Policy, the house was damaged by a fire. Plaintiff submitted a claim to the Insurer for the damage. These documents included a rough property damage estimate, an invoice for emergency response, photographs of fire damage, and partial bank records.

Claim

Property Insurance Coverage Law

APRIL 16, 2025

When businesses think about protecting themselves from risk, they often focus on property damage, natural disasters, or customer lawsuits. However, one of the most damaging and often overlooked threats comes from within: employee theft.

Property Damage

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 large-loss adjuster reinspected the property and hired an engineer to assist. The subject insurance policy covered direct physical loss caused by hail.

Damage

Property Insurance Coverage Law

MARCH 30, 2025

A recent court ruling has provided significant clarity on whether State Farms use of Xactimates “New Construction” labor efficiency setting is legally permissible in property damage estimates.

Property Damage

Boyle Agency Insurance

APRIL 4, 2025

Imagine a scenario where a contractor accidentally damages your property or a worker gets injured while working on your home. Let’s explore why verifying contractor insurance matters and how it shields your property during renovations or repairs. Without proper insurance, you could be held liable.

Property Damage

Top Insurance Blogs

JULY 14, 2025

This coverage doesn’t protect against car collisions or property damage. Many are surprised to learn that, beyond health and pension, professional liability insurance for freelancers in Germany is essential, not optional.

Professional Liability Insurance

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

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

Top Insurance Blogs

JUNE 10, 2025

Do you know what to do when your business suffers property damage or loss? What steps should you take when you record property or casualty damage in the course of your business activity? Are you aware of your business insurance claim and how to make use of it?

Insurance Claim

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.

Commercial Property

The Property Insurance Law Observer

FEBRUARY 25, 2025

After a fire destroyed the property on June 10, 2021, Jackson filed a claim for damages. Spinnaker denied coverage, citing that (1) the property did not qualify as a residence premises, and (2) Jacksons alleged misrepresentations voided coverage under the policy.

Claim

Distinguished

MAY 19, 2025

General liability coverage protects against third-party claims involving bodily injury, property damage, or advertising injury from slip-and-fall accidents to food-related complaints. Liquor Liability Coverage Distinguisheds BOP offers liquor liability coverage for eligible restaurants. What Doesn’t a BOP Cover?

Policy

Relation

MARCH 10, 2025

Whether it’s a lawsuit, property damage, or an unforeseen disruption, the lack of sufficient insurance can lead to devastating financial consequences. Did you know that 75% of small businesses are underinsured? Many business owners believe they have adequate coverageuntil an unexpected claim arises.

Property Damage

Boyle Agency Insurance

FEBRUARY 3, 2025

It provides coverage for property damage and theft of building materials during the renovation process. Standard home insurance policies typically have restrictions regarding vacant homes, and this specialized coverage can bridge the gap during renovation periods. This coverage safeguards your investment from unexpected setbacks.

Home Insurance

Protect Commercial Insurance

JUNE 20, 2025

Here are some key components typically included: – Property Insurance : Protects the physical premises and its contents from damage or loss due to incidents like fire, flood, or vandalism. – Public Liability Insurance : Protects against claims made by third parties for injuries or damages occurring on your office premises.

Protection

Scott Insurance

FEBRUARY 19, 2025

Rehabs expose developers to heightened risks and, subsequently, higher insurance costs due to the complexities of simultaneously managing the property being rehabbed and the existing structures, e.g. any property not under construction (whether occupied or unoccupied). Consider a scenario where a rehab is underway.

Underwriter

LexisNexis

JULY 1, 2025

Allocation of Latent Injury and Damage Claims State Law Survey Examine the method adopted in each of the 50 states and the District of Columbia of allocating damages for latent bodily injury and property damage claims, which are also called long tail or continuous injury or damage claims.

Policy

Mark Jackson Insurance Agency

MARCH 19, 2025

From property protection to liability coverage, ensuring your business insurance policies align with your expansion is critical. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk.

Workers Compensation

Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

Property damage liability claims per 100 insured vehicles are 15 percent higher, and relative body injury claims frequency is 60 percent higher. Rising claim frequency and litigation costs put coverage affordability and availability at risk.

Commercial General Liability

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

Distinguished

JUNE 2, 2025

Some of the most common claims we see in the state include: Frozen pipes in winter that cause water damage to basements or walls. Wind or hail damage to siding and roofing systems. Sewer backups in older properties with aging infrastructure. Sewer and drain backup: Protection for water damage from backed-up systems.

Liability

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

TGS

MARCH 4, 2025

10,000 in Property Damage Liability (PDL): Pays for damage you cause to someone elses property in an accident. If you cause an accident, you could be personally responsible for thousands of dollars in damages and medical billscosts that proper insurance could have covered.

Auto Insurance

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

TGS

MARCH 17, 2025

Liability only auto insurance steps in to cover the damage youve done to the other guys car or their medical bills if theyre hurt. Its got two main parts: bodily injury liability and property damage liability. What About Other Kinds of Damage? Picture thisyoure behind the wheel, and oops, you cause a fender bender.

Auto Insurance

Simply Insurance

JUNE 12, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. If youre renting a property, your landlord insurance policy will cover the structure and land and provide enhanced general liability insurance to ensure you dont have to worry about legal costs.

Insurance Quotes

Simply Insurance

JUNE 10, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. If youre renting a property, your landlord insurance policy will cover the structure and land and provide enhanced general liability insurance to ensure you dont have to worry about legal costs.

Insurance Quotes

Protect Commercial Insurance

APRIL 4, 2025

. – Tenant Compensation : In some cases, landlords might need to compensate tenants if living conditions are disrupted or deemed inadequate due to unresolved property issues. – Preservation of Property Value : Taking swift action on repairs preserves the value of the property and mitigates the risk of further damage.

Out-Of-Pocket

Simply Insurance

JUNE 9, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. With a Landlord Insurance policy you can protect your rental property from several losses. Anyone who rents out their property or properties should have landlord insurance (also known as rental property insurance).

Insurance Quotes

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

JUNE 11, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. If youre renting a property, your landlord insurance policy will cover the structure and land and provide enhanced general liability insurance to ensure you dont have to worry about legal costs.

Insurance Quotes

Paragon Independent Insurance Agencies

FEBRUARY 28, 2025

Beyond vehicle coverage, you may also need general liability insurance, which protects against third-party claims for injuries or property damage during business operations. If you own a physical location, commercial property insurance can help protect your building, inventory, and equipment from fire, theft, or natural disasters.

Commercial Insurance

Simply Insurance

JUNE 12, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. If youre renting a property, your landlord insurance policy will cover the structure and land and provide enhanced general liability insurance to ensure you dont have to worry about legal costs.

Insurance Quotes