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Don’t Let Protective Safeguards Become Your Policy’s Poison Pill

Property Insurance Coverage Law

A recent federal court decision reminds insurance professionals and policyholders of the practical and legal consequences of failing to comply with protective safeguards endorsements in builders risk insurance policies.

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Texas SB 458: What Homeowners and Drivers Need to Know About the New Appraisal Law

Property Insurance Coverage Law

In 2025, the Texas Legislature passed Senate Bill 458 (SB 458), 1 a significant reform aimed at protecting policyholders in disputes over insurance claims. … The post Texas SB 458: What Homeowners and Drivers Need to Know About the New Appraisal Law appeared first on Property Insurance Coverage Law Blog.

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Don’t Let Protective Safeguards Become Your Policy’s Poison Pill

Property Insurance Coverage Law

A recent federal court decision reminds insurance professionals and policyholders of the practical and legal consequences of failing to comply with protective safeguards endorsements in builders risk insurance policies.

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Cowbell Resiliency Services (CRS): Empowering Policyholders with Proactive Cyber Defense

Cowbell

As cyber threats become more advanceddriven by AI innovations and intensified by geopolitical tensionsorganizations of all sizes must rethink how they protect themselves. At Cowbell, weve long believed that prevention is better than cure , and we strive to deliver more than just an insurance policy to fall back on.

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Civil Remedy Notices – What Are They and What Do They Require?

Property Insurance Coverage Law

Insurance policies protect you from the cost of replacing lost, damaged, or stolen items: or at least, that’s how they’re supposed to work. But what happens if your insurance company refuses to pay what you are owed?

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Court Differentiates Vandalism from Theft in First Party Insurance Policy

The Property Insurance Law Observer

Interestingly, Allstate’s denial letter focused only on whether coverage was owed for the dwelling and other structures and did not cite to the policy provisions that address personal property. Plaintiffs argued that the damage was covered under the policy, primarily resulting from theft. Citing to Allemand v. State Farm Ins.

Theft 130
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Inflation Guard Endorsements: A Possible Double-Edged Sword for Property Insurance Coverage

Property Insurance Coverage Law

A recent court decision highlights why policyholders need to understand both the benefits and limitations of Inflation Guard Endorsements in their property insurance policies. While these endorsements aim to protect against underinsurance, they may not provide the complete protection many assume they do.