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 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

JANUARY 30, 2025

A recent federal court decision favoring Liberty Mutual Insurance Company in a pipe burst claim1 left me thinking about two lessons. First, this case strongly reminds policyholders to be aware of time limits in their insurance policies and take action as soon as they believe their claim is not being handled fairly.

Claim

Insurance Journal

APRIL 28, 2025

After receiving multiple inquiries about the use of aerial images in property insurance nonrenewals, West Virginia’s insurance commissioner has posted guidelines for insurers’ use of the technology. In a bulletin this month, Commissioner Allan McVey reminded insurance companies that aerial …

Property Insurance

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

Property Insurance Coverage Law

MARCH 18, 2025

Seeing firsthand the devastating aftermath and hearing the deeply emotional stories from these homeowners is heartbreakingbut whats even worse is witnessing how some insurance companies continue to compound their customers’ trauma … The post Why Are California Insurers Putting Their Policyholder Customers at Risk For Their Health?

Policyholder

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

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

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

APRIL 27, 2025

Travelers Casualty Insurance Company of America. 1 The property owner sued three and a half … The post Suit-Limitation Clauses in Property InsuranceFile Fast or Lose Everything appeared first on Property Insurance Coverage Law Blog.

Property Insurance

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

JANUARY 21, 2025

If so, why dont we require the insurance companies to turn over the … The post Insurance Company Claims File Transparency Supports Honest and Good Faith Claims Conduct appeared first on Property Insurance Coverage Law Blog. I was always told that an honest person has nothing to hide.

Insurance Companies

Property Insurance Coverage Law

FEBRUARY 27, 2025

State Farm General Insurance Company. This case continues to shed light on State Farms handling … The post State Farms Water Protocol appeared first on Property Insurance Coverage Law Blog. Meanwhile, State Farm has been busy suppressing the methods it uses to adjust water loss claims in Tong v.

Property Insurance

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

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

Property Insurance Coverage Law

FEBRUARY 2, 2025

In a recent case from the Wisconsin Court of Appeals, Cincinnati Insurance Company v. Ropicky, 1 the court held that insurers may not deny legitimate claims based on policy exclusions that the insurer has broadly applied.

Property Insurance

Property Insurance Coverage Law

APRIL 24, 2025

The recent filing of two sweeping antitrust lawsuits in California against a long list of most of the admitted California insurance companies has generated immediate attention within the insurance industry.

Insurance Industry

Property Insurance Coverage Law

MAY 14, 2025

A California Administrative Law Judge issued a decision approving a stipulation between State Farm General Insurance Company and the California Department of Insurance that allows significant interim rate increases for three of the companys major lines of residential insurance.

Property Insurance

Property Insurance Coverage Law

FEBRUARY 10, 2025

Thats the reality policyholders face when insurance companies delay or wrongfully deny claims, only to make a late payment after an appraisal and walk away without any real accountability. Imagine a world where breaking the rules carries no real consequences. Last weeks decision in Mirelez v.

Policyholder

Property Insurance Coverage Law

APRIL 27, 2025

Travelers Casualty Insurance Company of America. 1 The property owner sued three and a half … The post Suit-Limitation Clauses in Property InsuranceFile Fast or Lose Everything appeared first on Property Insurance Coverage Law Blog.

Property Insurance

Tosten Marketing

FEBRUARY 27, 2025

Commercial property insurance water damage coverage is a complex topic with many nuances. What Water Damage Does Commercial Property Insurance Cover? Commercial property insurance covers several types of water damage, but understanding the specifics is vital. What Water Damage Isn’t Covered?

Commercial Property

Property Insurance Coverage Law

APRIL 30, 2025

The article … The post Understanding the Total Constructive Loss Doctrine in Property Insurance Policies appeared first on Property Insurance Coverage Law Blog.

Property Insurance

Property Insurance Coverage Law

MAY 14, 2025

A California Administrative Law Judge issued a decision approving a stipulation between State Farm General Insurance Company and the California Department of Insurance that allows significant interim rate increases for three of the companys major lines of residential insurance.

Property Insurance

Property Insurance Coverage Law

JUNE 29, 2025

In this Iowa case, Terri Lawrence experienced a catastrophic loss when a burst pipe released over 200,000 gallons of water into her … The post 200,000 Gallons of Water Destroyed My Home and My Good Neighbor Insurance Company Will Not Pay a Dime! appeared first on Property Insurance Coverage Law Blog.

Insurance Companies

Property Insurance Coverage Law

FEBRUARY 10, 2025

Thats the reality policyholders face when insurance companies delay or wrongfully deny claims, only to make a late payment after an appraisal and walk away without any real accountability. Imagine a world where breaking the rules carries no real consequences. Last weeks decision in Mirelez v.

Policyholder

Property Insurance Coverage Law

JANUARY 30, 2025

A recent federal court decision favoring Liberty Mutual Insurance Company in a pipe burst claim1 left me thinking about two lessons. First, this case strongly reminds policyholders to be aware of time limits in their insurance policies and take action as soon as they believe their claim is not being handled fairly.

Claim

Property Insurance Coverage Law

MARCH 6, 2025

It ensures that insurance companies fulfill their obligations promptly and fairly. The concept of vexatious refusal to pay is a critical safeguard for Missouri policyholders.

Commercial Property

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

Property Insurance Coverage Law

APRIL 9, 2025

According to this sparkling gem of judicial thought, it turns out that its not enough to tell your insurance company, “Hey, my house … The post The New “Notice” Trap: Better Ring a Bell for Every Coverage You Might Claim appeared first on Property Insurance Coverage Law Blog.

Claim

Insurance Journal

APRIL 3, 2025

A Florida House of Representatives panel went straight to the source of a consultant’s report that has caused widespread concern among lawmakers about insurance company profit-shifting. But the hour-long, web interview with Arizona-based consultant Jan Moenck shed only limited light …

Insurance Companies

Property Insurance Coverage Law

MARCH 2, 2025

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 6, 2025

It ensures that insurance companies fulfill their obligations promptly and fairly. The concept of vexatious refusal to pay is a critical safeguard for Missouri policyholders.

Commercial Property

Property Insurance Coverage Law

JULY 2, 2025

First Community Insurance Company, the court dismissed a breach of contract suit with prejudice, finding that the plaintiffs filed their case too late under the strict time limits imposed by federal law.

Policyholder

Property Insurance Coverage Law

JULY 20, 2025

This lesson is evident from a recent opinion in First Protective Insurance Company v. appeared first on Property Insurance Coverage Law Blog. Umpires and appraisers should always carry errors and omissions coverage. O’Leary, 1 which affirmed the district court’s denial of arbitral immunity for an appraisal umpire.

Property Insurance

Property Insurance Coverage Law

JULY 20, 2025

This lesson is evident from a recent opinion in First Protective Insurance Company v. appeared first on Property Insurance Coverage Law Blog. Umpires and appraisers should always carry errors and omissions coverage. O’Leary, 1 which affirmed the district court’s denial of arbitral immunity for an appraisal umpire.

Property Insurance

Insurance Journal

JUNE 1, 2025

By Allen Laman As commercial property insurance rates moderate, the value and relevance of captive insurance companies isn’t expected to fade away. A panel of experts discussed the state and evolution of the captive sphere during a presentation at the …

Commercial Property

Property Insurance Coverage Law

APRIL 9, 2025

According to this sparkling gem of judicial thought, it turns out that its not enough to tell your insurance company, “Hey, my house … The post The New “Notice” Trap: Better Ring a Bell for Every Coverage You Might Claim appeared first on Property Insurance Coverage Law Blog.

Claim