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When Vandals Trigger the Sprinklers: The Battle Over Resulting Losses

Property Insurance Coverage Law

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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When Vandals Trigger the Sprinklers: The Battle Over Resulting Losses

Property Insurance Coverage Law

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

The Property Insurance Law Observer

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.

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Jackson v. Spinnaker: Court Rules a Thorough Investigation is Just Good Business, Not Bad Faith

The Property Insurance Law Observer

Spinnaker Insurance Company , the United States District Court for the Western District of Pennsylvania considered a homeowners insurance coverage dispute, ultimately finding that questions of residency and alleged fraudulent misrepresentations precluded summary judgment. In Jackson v.

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Contractor Insurance is Essential for Home Improvements

Boyle Agency Insurance

Without proper insurance, you could be held liable for expenses, leading to financial strain and legal complications. Understanding Liability Coverage Contractors should have liability coverage, protecting against property damage or bodily injury occurring during the project.

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Renovations and Home Insurance: What You Need to Know

Boyle Agency Insurance

Standard home insurance policies typically have restrictions regarding vacant homes, and this specialized coverage can bridge the gap during renovation periods. Builder’s Risk Insurance For major renovations or construction projects, builder’s risk insurance can be invaluable.

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Business Owner’s Policy for Restaurants

Distinguished

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. Most submissions receive a response within 2448 hours, allowing you to deliver an insurance quote quickly and efficiently.