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 200

Insurance Claim Claim Policyholder Property Insurance 200

Property Insurance Coverage Law

FEBRUARY 20, 2025

A new bill filed in the Florida Senate by Don Gaetz is making waves by proposing that insurance companies disclose the financial relationships of their executives and related entities. It also demands transparency … The post Why Shouldn’t Insurance Executives Disclose Their Pay?

Compensation 197

Compensation Property Insurance Insurance Insurer 197

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 186

Insurance Claim Claim Policyholder Property Insurance 186

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 194

Damage Claim Policyholder Property Insurance 194

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 100

Property Insurance Insurance Policy Policy Insurance 100

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 100

Property Insurance Casualty Insurance Policyholder Insurance Companies 100

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 205

Claim Policyholder Property Insurance Insurance Policy 205

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 203

Property Insurance Claim Insurance Companies Insurance 203

Property Insurance Coverage Law

FEBRUARY 20, 2025

A new bill filed in the Florida Senate by Don Gaetz is making waves by proposing that insurance companies disclose the financial relationships of their executives and related entities. It also demands transparency … The post Why Shouldn’t Insurance Executives Disclose Their Pay?

Compensation 184

Compensation Property Insurance Insurance Insurer 184

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 100

Property Insurance Casualty Insurance Policyholder Insurance Companies 100

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 195

Policyholder Damage Property Insurance Insurance Claim 195

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?

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Policyholder Risk Property Insurance Insurance Companies 193

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 160

Policyholder Property Insurance Damage Insurance Companies 160

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 100

Insurance Companies Damage Policyholder Property Insurance 100

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 200

Policyholder Property Insurance Insurance Companies Insurance 200

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 186

Property Insurance Policy Insurance Companies Claim 186

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 174

Policyholder Property Insurance Damage Insurance Companies 174

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 164

Insurance Industry Property Insurance Insurance Insurer 164

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 186

Property Insurance Insurance Companies Policy Insurance 186

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 186

Policyholder Property Insurance Insurance Companies Insurance 186

Property Insurance Coverage Law

SEPTEMBER 27, 2024

However, recent developments in Florida’s handling of insurance company fraud allegations have raised serious concerns about the efficacy of our regulatory bodies … The post Florida’s Insurance Company Fraud Investigations: A Crisis of Public Trust (With a Side of Absurdity) appeared first on Property Insurance Coverage Law Blog. (..)

Insurance Companies 214

Insurance Companies Policyholder Property Insurance Insurance 214

Property Insurance Coverage Law

AUGUST 17, 2024

The homeowners property insurance landscape is shifting rapidly, driven by advancements in artificial intelligence (AI) and surveillance technology.

Property Insurance 186

Property Insurance Insurance Insurance Companies Insurer 186

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 160

Policyholder Property Insurance Damage Insurance Companies 160

Property Insurance Coverage Law

SEPTEMBER 26, 2024

A recent federal court ruling in Missouri highlights the critical importance of admissible expert testimony in property insurance disputes.

Policyholder 203

Policyholder Insurance Companies Damage Claim 203

Property Insurance Coverage Law

DECEMBER 12, 2024

MAPFRE Insurance Company has filed a fascinating complaint 1 against an allegedly unlicensed public adjuster license and company … The post Can Insurance Companies Sue Public Adjusters for Not Being Licensed or Not Having a Valid Contract? appeared first on Property Insurance Coverage Law Blog.

License 203

License Insurance Companies Policyholder Property Insurance 203

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 164

Policyholder Property Insurance Damage Insurance Companies 164

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 180

Claim Policyholder Property Insurance Insurance Policy 180

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 172

Property Insurance Insurance Companies Policy Insurance 172

Property Insurance Coverage Law

OCTOBER 23, 2024

While Jimmy Patronis and Governor DeSantis trumpet their latest emergency rule as consumer protection following the CBS 60 Minutes Expose noted in CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management, the reality reveals a different story.

Policyholder 214

Policyholder Insurance Industry Insurance Companies Protection 214

Property Insurance Coverage Law

NOVEMBER 20, 2024

For example, the Coalition Against … The post When Do Insurance Company Lobbyists and Trade Association Supporters Lie About Insurance Fraud Statistics? Every Time They Say or Write Anything appeared first on Property Insurance Coverage Law Blog. billion figure that concludes it is pure misinformation.

Insurance Companies 213

Insurance Companies Property Insurance Insurance Insurer 213

Insurance Journal

APRIL 7, 2025

Florida’s insurance commissioner on Monday announced another entry into the warming waters of the Florida property-casualty market the 12th new insurer in the last two years. Apex Star Reciprocal Exchange is part of Starlight Insurance Group, based in New …

Property Insurance 295

Property Insurance Insurance Insurer Insured 295

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 159

Claim Property Insurance Insurance Policy Insurance Companies 159

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 130

Commercial Property Commercial Property Insurance Insurance Companies 130

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 138

Commercial Property Policyholder Commercial Property Insurance 138

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 253

Insurance Companies Insurance Insurer Insured 253

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 145

Claim Property Insurance Insurance Policy Insurance Companies 145

Property Insurance Coverage Law

MARCH 11, 2025

All insurance policies include a section placing specific responsibilities and obligations on policyholders to act in a certain way before entitling them to policy benefits for what should be a covered loss.

Policyholder 138

Policyholder Claim Property Insurance Insurance Policy 138