Insured, Insurer and Property Insurance - Insurance Industry Brief

California Department of Insurance Completes Final Review of Wildfire Model

Insurance Journal

JULY 24, 2025

The California Department of Insurance completed a review of the state’s first wildfire catastrophe model, marking a dramatic change in the state’s property/casualty insurance ratemaking process. The new model for use by insurers in assessing wildfire risk in property insurance …

Casualty Insurance

Casualty Insurance Property Insurance Insurance Insurer

Examinations Under Oath in New York Property Insurance Claims

Property Insurance Coverage Law

JANUARY 23, 2025

When navigating contested property insurance claims, insured parties may receive a request from their insurer for an Examination Under Oath (EUO). It is a formal proceeding, not unlike a deposition, where an insured is required to answer questions under oath about their insurance claim.

Property Insurance

Property Insurance Insurance Claim Claim Insurance

When Does Property Insurance Coverage Start? Only After You Move Into the Home?

Property Insurance Coverage Law

MARCH 4, 2025

How many days do you have to move into a new home after purchase to keep your insurance coverage valid? AmGuard took the position that the new homeowner had no coverage because she was not living at the premises when she purchased the policy … The post When Does Property Insurance Coverage Start?

Property Insurance

Property Insurance Insurance Insurer Insured

Florida Legislators to Investigate Whether Property Insurers Used Accounting Tricks to Hide Profits

Property Insurance Coverage Law

MARCH 5, 2025

A new investigation into Floridas property insurance industry is set to begin, raising significant questions about insurer profitability, financial transparency, and the true reasons behind skyrocketing premiums for policyholders.

Property Insurance

Property Insurance Policyholder Premium Insurance Industry

A Deep Dive into Insurance Claims: Insights from Chip Merlin’s Interview with Steven Bush

Property Insurance Coverage Law

JULY 27, 2025

In the latest episode of Claim Game, I sat down with Steven Bush to dissect the state of insurance claims handling, particularly following major catastrophes like hurricanes or wildfires.

Insurance Claim

Insurance Claim Claim Policyholder Property Insurance

Viewpoint: California’s Property Insurance Crisis And The Path to Reform

Insurance Journal

MAY 29, 2025

California’s property insurance market remains in turmoil, exacerbated by escalating wildfire risks, insurer withdrawals, and systemic shortcomings in the state’s safety netthe California FAIR Plan.

Property Insurance

Property Insurance Premium Insurance Insurer

Mangrove, Florida’s Newest Home Insurer, Receives Demotech Rating

Insurance Journal

FEBRUARY 3, 2025

Brand new Florida home insurer Mangrove Property Insurance Co. a financial analysis firm that specializes in rating regional and specialty insurers. As previously reported by Insurance Journal, … has received a Financial Stability Rating (FSR) of “A, Exceptional” from Demotech, Inc.,

Home Insurance

Home Insurance Property Insurance Insurance Insurer

After Years of Losses, Florida Insurers Saw Underwriting Profits in 2024, AM Best Says

Insurance Journal

MAY 29, 2025

After eight years of losses, Florida’s personal property insurance market reported an underwriting profit and a considerable jump in operating income in 2024, the AM Best rating and analytics firm said in a report this week. The firm examined 45 …

Underwriter

Underwriter Underwriting Personal Property Property Insurance

Florida’s Insurance Regulator Buried a Completed Report That Raised Red Flags About Insurer Affiliate Profits

Property Insurance Coverage Law

APRIL 4, 2025

Yesterdays testimony before the Florida House Insurance & Banking Subcommittee ripped the cover off a story thats been brewing for years: the Office of Insurance Regulation (OIR) under David Altmaier had a completed, paid-for, red-flag-waving report about insurer affiliate transactions showing hundreds of millions of hidden profits for the insurance (..)

Insurance

Insurance Insurer Insured Property Insurance

Two More Insurers Enter Florida Market as Hurricane Season Warms Up

Insurance Journal

JUNE 29, 2025

Two more property insurers have put their toes in the Florida market this summer, bringing to 14 the number of new carriers in the state since 2023. It’s another sign that legislative discouragement of claims litigation has made a difference …

Property Insurance

Property Insurance Claim Insurance Insurer

Why Shouldn’t Insurance Executives Disclose Their Pay?

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

Compensation Property Insurance Insurance Insurer

Investigations to Legislation: Florida Lawmakers Weighing Insurance Industry Changes

Insurance Journal

MARCH 5, 2025

Florida legislative leaders, facing increasing pressure from the public and the press, this week pledged to investigate property insurers’ financial structures. And bills filed before the 2025 Legislature began this week also would require executive pay disclosure by carriers, along …

Insurance Industry

Insurance Industry Property Insurance Insurance Insurer

Insurance Is Not a Commodity: Don’t Buy the Cheap Farmers Homeowners Policy, Which Becomes Costly After a Fire

Property Insurance Coverage Law

JULY 21, 2025

In the aftermath of wildfires, when families are left sifting through ashes and trying to rebuild their lives, the true quality of an insurance policy comes sharply into focus. Too often, we hear from policyholders who thought they were adequately insured.

Policy

Policy Policyholder Property Insurance Insurance Policy

Expert Witness Testimony and the Lack of It Can Lose Property Insurance Cases

Property Insurance Coverage Law

JULY 3, 2025

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

Property Insurance

Property Insurance Property Damage Damage Insurance Claim

Why Are California Insurers Putting Their Policyholder Customers at Risk For Their Health?

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

Policyholder Risk Property Insurance Insurance Companies

Why Shouldn’t Insurance Executives Disclose Their Pay?

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

Compensation Property Insurance Insurance Insurer

Understanding Leadership from Inside the Insurance Claims Machine: Reflections on Mike Fiato’s Vision

Property Insurance Coverage Law

MAY 13, 2025

The Senate Subcommittee on Disaster Management will hold a hearing this afternoon titled Examining the Insurance Industrys Claims Practices Following Recent Natural Disasters. Among those testifying is Mike Fiato, Executive Vice President and Chief Claims Officer at Allstate.

Insurance Claim

Insurance Claim Claim Property Insurance Insurance Industry

Top Mistakes That Can Destroy Your Flood Insurance Claim

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

Insurance Claim Claim Policyholder Damage

Why One Man’s Lies Cost a Business $1.96 Million in Insurance: Understanding the Innocent Insured Doctrine

Property Insurance Coverage Law

JULY 30, 2025

A decision last week reinforces a harsh reality for policyholders who conduct business through corporations or limited liability companies: if the person or officer controlling the company commits fraud in the course of an insurance claim, the insurer can usually deny coverage not just to that wrongdoer, but to the entire business.

Policyholder

Policyholder Liability Insurance Insurer

Florida’s Divided Insurance Regulation Is Under Fire — and for Good Reason

Property Insurance Coverage Law

APRIL 5, 2025

A recent public records request byTampa Bay Timesreporter Lawrence Mower has uncovered a revealing memo from Floridas Office of Insurance Regulation (OIR) that could mark a major turning point in how the state handles insurance regulation.

Property Insurance

Property Insurance Insurance Insurer Insured

Underinsured and Unprotected: Are California Insurance Agents to Blame?

Property Insurance Coverage Law

MAY 2, 2025

Millions Have No Idea Theyre at Risk,shed … The post Underinsured and Unprotected: Are California Insurance Agents to Blame? appeared first on Property Insurance Coverage Law Blog. A recent in-depth investigative report by theSan Francisco Chronicle,A Broken System is Keeping California Homes Underinsured.

Insurance Agent

Insurance Agent Insurance Agents Agents Property Insurance

Florida’s Insurance Scandal: The “Incomplete” Report That Almost Stayed Buried

Property Insurance Coverage Law

MARCH 15, 2025

Floridas homeowners have been paying ever-increasing insurance premiums, but where has all that money been going? A secret state report, which regulators conveniently left unfinished and never shared with lawmakers, might have held the answer.

Premium

Premium Property Insurance Insurance Insurer

From Lost Newcomer to Industry Connector—How One Public Adjuster Built a Directory to Bridge the Knowledge Gap in Property Claims

Property Insurance Coverage Law

JULY 23, 2025

Note: This guest post is by Sarah Parker, an educator and founder of Parker Public Adjusting, TheClaim.Directory, and Kuva Media, and a CPAU Certified Appraiser/Umpire.

Claim

Claim License Property Insurance Insurance Industry

Florida Insurance Regulators Demand Fair Treatment for Policyholders

Property Insurance Coverage Law

FEBRUARY 22, 2025

How do insurance claims work when your home has already been damaged once? A recent Florida Office of Insurance Regulation (OIR) Bulletin clarifies how insurers must handle claims for multiple hurricanes. But what happens when two hurricanes strike in the same season?

Policyholder

Policyholder Damage Property Insurance Insurance Claim

WV Commissioner Posts Guidelines on Insurers’ Use of Aerial Images

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 Insurance Insurer Insured

Top Mistakes That Can Destroy Your Flood Insurance Claim

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

Insurance Claim Claim Policyholder Damage

Florida OIR Wants More Data, Warns Insurers about Concurrent Causation Denials

Insurance Journal

FEBRUARY 23, 2025

As consumer complaints have apparently mounted over unpaid hurricane losses, Florida’s top insurance regulator and some lawmakers are signaling new scrutiny on insurance carriers’ claims-handling and other practices. Florida Insurance Commissioner Michael Yaworsky late last week posted a memo, demanding …

Insurance Carrier

Insurance Carrier Insurance Insurer Insured

Understanding Leadership from Inside the Insurance Claims Machine: Reflections on Mike Fiato’s Vision

Property Insurance Coverage Law

MAY 13, 2025

The Senate Subcommittee on Disaster Management will hold a hearing this afternoon titled Examining the Insurance Industrys Claims Practices Following Recent Natural Disasters. Among those testifying is Mike Fiato, Executive Vice President and Chief Claims Officer at Allstate.

Insurance Claim

Insurance Claim Claim Property Insurance Insurance Industry

When Does Property Insurance Coverage Start? Only After You Move Into the Home?

Property Insurance Coverage Law

MARCH 4, 2025

How many days do you have to move into a new home after purchase to keep your insurance coverage valid? AmGuard took the position that the new homeowner had no coverage because she was not living at the premises when she purchased the policy … The post When Does Property Insurance Coverage Start?

Property Insurance

Property Insurance Insurance Insurer Insured

Why Are California Insurers Putting Their Policyholder Customers at Risk For Their Health?

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

Policyholder Risk Property Insurance Insurance Companies

Florida OIR Approves Smaller Average Rate Increases for Citizens This Year

Insurance Journal

FEBRUARY 9, 2025

Just as many Florida property insurers had hoped to see a boost to the private market with a maximum rate increase for Citizens Property Insurance Corp., state regulators have slashed the rate hike by more than half. After an unusually …

Property Insurance

Property Insurance Insured Insurer Insurance

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own 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

Claim Policyholder Property Insurance Insurance Policy

Insurance Coverage After a Raze Order: Strategies for Overcoming Ordinance or Law Exclusions

Property Insurance Coverage Law

APRIL 28, 2025

When a devastating fire damages a building and a municipality orders it razed, the instinctive reaction of many policyholders is to expect that their insurance will cover the total loss.

Policyholder

Policyholder Damage Property Insurance Insurance Policy

Markets/Coverages: MGA Aurora Launches Lloyd’s-Backed Property Insurance Offering

Insurance Journal

JUNE 11, 2025

Aurora, the London-based digital managing general agent, has launched a property owners insurance product, aiming to enhance the way brokers access and place property risks. The new product, backed by Lloyd’s, leverages Aurora’s digital insurance platform and real-time data enrichment …

Property Insurance

Property Insurance Broker-Agent Agents Broker

A Fire, a Lawsuit, and One Heavenly Dessert: Lessons from the Sherry-Netherland Insurance Battle

Property Insurance Coverage Law

MAY 28, 2025

Ive always had … The post A Fire, a Lawsuit, and One Heavenly Dessert: Lessons from the Sherry-Netherland Insurance Battle appeared first on Property Insurance Coverage Law Blog.

Property Insurance

Property Insurance Building Insurance Insurer

Rebuild or Risk It? The Fire Protocols Challenging Whether Insurers Place Profits Over Policyholder Safety

Property Insurance Coverage Law

JUNE 26, 2025

The Rocky Mountain Association of Public Insurance Adjusters (RMAPIA) has produced a comprehensive and scientifically grounded guide to handling fire losses that deserves serious attention from anyone involved in the adjustment of fire-related insurance claims.

Policyholder

Policyholder Risk Property Insurance Insurance Claim

The Jay Feinman Interview: Are Courts Letting Insurers Get Away with Bad Faith?

Property Insurance Coverage Law

JUNE 25, 2025

In my recent Claim Game interview with Professor Jay Feinman, one moment in particular captured what many in the insurance world know, but rarely say out loud: insurers get away with bad faith because courts or court-made law let them. appeared first on Property Insurance Coverage Law Blog.

Property Insurance

Property Insurance Claim Insurance Insurer

The Antitrust Wildfire Lawsuits That Could Burn Down Insurance Industry Norms

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

Insurance Industry Property Insurance Insurance Insurer

Father, Two Sons Charged With Defrauding North Carolina Insurer of Last Resort

Insurance Journal

JUNE 23, 2025

North Carolina authorities have charged a 65-year-old man and his two sons with insurance fraud for allegedly submitting false and exaggerated claims to one of the state’s property insurers of last resort. William Andrews Sr., of Elon, and his sons …

Property Insurance

Property Insurance Claim Insurance Insurer

Lack of Insurable Interest Precludes Recovery for Property Damage

The Property Insurance Law Observer

MARCH 20, 2025

Hawley Insurance Co. 2025)), the United States District Court for the Southern District of New York determined that the plaintiff lacked an insurable interest in property it insured because it did not own or possess the property or suffer economic loss due to the propertys destruction. Hawley Insurance Co.

Property Damage

Property Damage Damage Insurance Insurer

After Florida Report, Georgia Senator Wants Investigation into MGAs, Insurer Profits

Insurance Journal

MARCH 19, 2025

Concerns about Florida-based insurance carriers masking profits with the help of affiliated companies has spilled across the border into Georgia, with one state senator calling for an investigation. Nabilah Islam Parkes, D-Duluth, this week sent a letter to Georgia …

Insurance Carrier

Insurance Carrier Insurance Insurer Insured

Two More Insurers Enter Florida Market as Storm Season Warms

Insurance Journal

JULY 20, 2025

Two more property insurers put their toes in the Florida market this summer, bringing to 14 the number of new carriers in the state since 2023. It’s another sign that legislative discouragement of claims litigation has made a difference and …

Property Insurance

Property Insurance Claim Insurance Insurer

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

Property Insurance Coverage Law

MARCH 26, 2025

Property insurance adjustersboth company-employed and independentserve as the backbone of the claims process, ensuring that policyholders receive the full benefits of their coverage as swiftly and fairly as possible.

Policyholder

Policyholder Property Insurance Damage Claim

NFIP Escapes Payment with Form Over Substance Rules: The Need for Reform of the National Flood Insurance Program

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

Policyholder Damage Property Insurance Insurance Companies

California Department of Insurance Completes Final Review of Wildfire Model

Examinations Under Oath in New York Property Insurance Claims

Trending Sources

When Does Property Insurance Coverage Start? Only After You Move Into the Home?

Florida Legislators to Investigate Whether Property Insurers Used Accounting Tricks to Hide Profits

A Deep Dive into Insurance Claims: Insights from Chip Merlin’s Interview with Steven Bush

Viewpoint: California’s Property Insurance Crisis And The Path to Reform

Mangrove, Florida’s Newest Home Insurer, Receives Demotech Rating

After Years of Losses, Florida Insurers Saw Underwriting Profits in 2024, AM Best Says

Florida’s Insurance Regulator Buried a Completed Report That Raised Red Flags About Insurer Affiliate Profits

Two More Insurers Enter Florida Market as Hurricane Season Warms Up

Why Shouldn’t Insurance Executives Disclose Their Pay?

Investigations to Legislation: Florida Lawmakers Weighing Insurance Industry Changes

Insurance Is Not a Commodity: Don’t Buy the Cheap Farmers Homeowners Policy, Which Becomes Costly After a Fire

Expert Witness Testimony and the Lack of It Can Lose Property Insurance Cases

Why Are California Insurers Putting Their Policyholder Customers at Risk For Their Health?

Why Shouldn’t Insurance Executives Disclose Their Pay?

Understanding Leadership from Inside the Insurance Claims Machine: Reflections on Mike Fiato’s Vision

Top Mistakes That Can Destroy Your Flood Insurance Claim

Why One Man’s Lies Cost a Business $1.96 Million in Insurance: Understanding the Innocent Insured Doctrine

Florida’s Divided Insurance Regulation Is Under Fire — and for Good Reason

Underinsured and Unprotected: Are California Insurance Agents to Blame?

Florida’s Insurance Scandal: The “Incomplete” Report That Almost Stayed Buried

From Lost Newcomer to Industry Connector—How One Public Adjuster Built a Directory to Bridge the Knowledge Gap in Property Claims

Florida Insurance Regulators Demand Fair Treatment for Policyholders

WV Commissioner Posts Guidelines on Insurers’ Use of Aerial Images

Top Mistakes That Can Destroy Your Flood Insurance Claim

Florida OIR Wants More Data, Warns Insurers about Concurrent Causation Denials

Understanding Leadership from Inside the Insurance Claims Machine: Reflections on Mike Fiato’s Vision

When Does Property Insurance Coverage Start? Only After You Move Into the Home?

Why Are California Insurers Putting Their Policyholder Customers at Risk For Their Health?

Florida OIR Approves Smaller Average Rate Increases for Citizens This Year

Beware of a One-Year Deadline to File a Lawsuit—Always Hire a Public Adjuster If Your Insurer Makes You Adjust Your Own Claim

Insurance Coverage After a Raze Order: Strategies for Overcoming Ordinance or Law Exclusions

Markets/Coverages: MGA Aurora Launches Lloyd’s-Backed Property Insurance Offering

A Fire, a Lawsuit, and One Heavenly Dessert: Lessons from the Sherry-Netherland Insurance Battle

Rebuild or Risk It? The Fire Protocols Challenging Whether Insurers Place Profits Over Policyholder Safety

The Jay Feinman Interview: Are Courts Letting Insurers Get Away with Bad Faith?

The Antitrust Wildfire Lawsuits That Could Burn Down Insurance Industry Norms

Father, Two Sons Charged With Defrauding North Carolina Insurer of Last Resort

Lack of Insurable Interest Precludes Recovery for Property Damage

After Florida Report, Georgia Senator Wants Investigation into MGAs, Insurer Profits

Two More Insurers Enter Florida Market as Storm Season Warms

The Critical Role of Insurance Adjusters and the Growing Disenchantment in the Industry

NFIP Escapes Payment with Form Over Substance Rules: The Need for Reform of the National Flood Insurance Program

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