Insured and Property Insurance - Insurance Industry Brief

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 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

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 Insured Insurer 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 Insured Insurer

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 Insured Insurer

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

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 Insured 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 …

Underwriting

Underwriting Underwriter Personal Property Property Insurance

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 Insured 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 Insured Insurer

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 (..)

Insured

Insured Insurer Insurance Property Insurance

Florida Premium Written up by a Third, Average Premiums Up by 40% Since 2022

Insurance Journal

JUNE 16, 2025

Newly posted data from Florida regulators show that, in the last three years, the number of property insurance policies in the state has risen only slightly while direct premium written and average premiums have climbed significantly. The first-quarter 2025 data …

Premium

Premium Property Insurance Insurance Policy Policy

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 Insured Insurer Insurance

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

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

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 Insured Insurer

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

Alabama DOI Encourages Insurers to Use More Than Drones in Nonrenewals

Insurance Journal

JUNE 19, 2025

Alabama’s insurance commissioner this week urged property insurers to be judicious in the use of drones and aerial imagery in making nonrenewal decisions, but stopped short of issuing new regulations. “If an insurer uses aerial imagery as a basis for …

Property Insurance

Property Insurance Insured Insurer Insurance

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

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 Insured Insurer

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 Property Insurance

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 Insured Insurer

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 Agents

Insurance Agents Insurance Agent 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 Insured Insurer

Built to Code—Not to Carrier Convenience. OID Has to Step in to Remind Insurers to Do the Right Thing

Property Insurance Coverage Law

JUNE 30, 2025

In the wake of property damage, whether caused by wind, fire, or storm, policyholders rightly expect their insurance to cover the cost of restoring their home or business to its proper condition. OID Has to Step in to Remind Insurers to Do the Right Thing appeared first on Property Insurance Coverage Law Blog.

Property Damage

Property Damage Policyholder Premium Property Insurance

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 Property Insurance

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

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 Insured Insurer Insurance

The 12th New Property Insurer, Apex Star Reciprocal, Enters Florida Market

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

Property Insurance Insured Insurer Insurance

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

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 Insured Insurer

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 Property Insurance Damage Insurance Claim

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

The Role of the Examination Under Oath and Procedural Compliance with Insurer Demands

Property Insurance Coverage Law

MAY 7, 2025

I will deliver a presentation at the Annual Meeting of the National Association of Public Insurance Adjusters (NAPIA) next month, focusing on two cornerstones of property insurance claims: proofs of loss and examinations under oath. Its a topic I first addressed for NAPIA exactly forty years ago.

Property Insurance

Property Insurance Insurance Claim Insured 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 Insured Insurer

Insuring Unmarried Couples—Is There Coverage?

Property Insurance Coverage Law

FEBRUARY 24, 2025

1 Insuring property for unmarried couples is not so easy in many states. A recent Michigan case found that the unmarried woman did not qualify as an insured under a … The post Insuring Unmarried CouplesIs There Coverage? appeared first on Property Insurance Coverage Law Blog.

Insured

Insured Property Insurance Insurer Insurance

What If Every Insurance Company Engineer Report Suggests a Denied Claim? We’re About to Find Out

Property Insurance Coverage Law

APRIL 21, 2025

A recent conversation on LinkedIn has sparked serious questions about the objectivity of engineering reports used by insurance companies. The statement … The post What If Every Insurance Company Engineer Report Suggests a Denied Claim? Were About to Find Out appeared first on Property Insurance Coverage Law Blog.

Insurance Companies

Insurance Companies Claim Property Insurance Insured

Public Adjusters Decry Florida Citizens’ New Plan That Keeps Their Names Off Checks

Insurance Journal

JUNE 22, 2025

In the long conflict between insurance carriers and public claims adjusters, Florida’s Citizens Property Insurance Corp. has unexpectedly altered the rules of engagement in a way that could have a big impact on some adjusters’ livelihood. And a public adjuster …

Insurance Carrier

Insurance Carrier Property Insurance Claim Insured

Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments

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. Last weeks decision in Mirelez v.

Policyholder

Policyholder Property Insurance Insurance Companies Insured

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 Property Insurance Damage Insurance Policy

Florida’s DOAH Arbitration Disaster: How the Legislature Gave Citizens a License to Steamroll Policyholders

Property Insurance Coverage Law

APRIL 10, 2025

In 2023, the Florida Legislature made a catastrophic mistake that is now hurting thousands of Floridians.

Policyholder

Policyholder License Property Insurance Insured

Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments

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. Last weeks decision in Mirelez v.

Policyholder

Policyholder Property Insurance Insurance Companies Insured

Size of Florida’s Slide Insurance Exec Compensation Has Tongues Wagging

Insurance Journal

JUNE 1, 2025

When Tampa-based Slide Insurance registered for an initial public stock offering last week, one page of the filing quickly had people talking in the Florida insurance industry. On page 132 of the filing with the U.S. Securities and Exchange Commission …

Compensation

Compensation Insurance Industry Insured Insurer

Examinations Under Oath in New York Property Insurance Claims

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

Trending Sources

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

Two More Insurers Enter Florida Market as Hurricane Season Warms Up

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

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

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

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

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

Investigations to Legislation: Florida Lawmakers Weighing Insurance Industry Changes

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

Florida Premium Written up by a Third, Average Premiums Up by 40% Since 2022

WV Commissioner Posts Guidelines on Insurers’ Use of Aerial Images

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

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

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

Why Shouldn’t Insurance Executives Disclose Their Pay?

Florida OIR Approves Smaller Average Rate Increases for Citizens This Year

Alabama DOI Encourages Insurers to Use More Than Drones in Nonrenewals

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

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

Top Mistakes That Can Destroy Your Flood Insurance Claim

Why Shouldn’t Insurance Executives Disclose Their Pay?

Underinsured and Unprotected: Are California Insurance Agents to Blame?

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

Built to Code—Not to Carrier Convenience. OID Has to Step in to Remind Insurers to Do the Right Thing

Top Mistakes That Can Destroy Your Flood Insurance Claim

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

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

The 12th New Property Insurer, Apex Star Reciprocal, Enters Florida Market

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

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

Florida Insurance Regulators Demand Fair Treatment for Policyholders

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

The Role of the Examination Under Oath and Procedural Compliance with Insurer Demands

The Antitrust Wildfire Lawsuits That Could Burn Down Insurance Industry Norms

Insuring Unmarried Couples—Is There Coverage?

What If Every Insurance Company Engineer Report Suggests a Denied Claim? We’re About to Find Out

Public Adjusters Decry Florida Citizens’ New Plan That Keeps Their Names Off Checks

Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments

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

Florida’s DOAH Arbitration Disaster: How the Legislature Gave Citizens a License to Steamroll Policyholders

Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments

Size of Florida’s Slide Insurance Exec Compensation Has Tongues Wagging

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