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.

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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.

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Property Insurance Coverage Law

OCTOBER 2, 2024

Recent investigative reporting by CBS’s 60 Minutes, noted in CBS 60 Minutes Exposes Alleged Insurance Company Fraud: Adjusters Reveal Altered Hurricane Damage Estimates by Claims Management, has exposed alleged widespread underpayments of claims and unethical claims practices in Florida’s property insurance industry.

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Property Insurance Coverage Law

SEPTEMBER 26, 2024

In a case involving alleged hail damage to a commercial building, the court granted summary judgment in favor of the insurer, Charter Oak Fire Insurance Company, after excluding the policyholder’s expert witness.

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Property Insurance Coverage Law

FEBRUARY 27, 2025

State Farm met with California Insurance Commissioner Lara yesterday about an emergency meeting regarding its rates following the Los Angeles wildfires. Meanwhile, State Farm has been busy suppressing the methods it uses to adjust water loss claims in Tong v. State Farm General Insurance Company.

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Property Insurance Coverage Law

MARCH 2, 2025

State Farm policyholders should be aware of its companys water damage claims processes, as noted in State Farms Water Protocol. After reading the facts and allegations of a recent water claim denial, I would suggest they also should be concerned with alleged experts providing opinions about the cause of water losses.

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Property Insurance Coverage Law

APRIL 18, 2025

Safeco Insurance Company of America 1 serves as a timely reminder for claims professionals to revisit how to interpret actual cash value (ACV), replacement cost value (RCV), and general contractor overhead and profit (GCOP) under property insurance policies which define the terms.

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Insurance Journal

JANUARY 23, 2025

California Insurance Commissioner Ricardo Lara is asking all California insurance companies to provide advance payments on claims for Los Angeles wildfire survivors. Lara’s order is designed to help speed the recovery process for wildfire survivors affected by several fires in …

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Claim Insurance Companies Insurance Insurer 243

Insurance Journal

JANUARY 20, 2025

AP) Two insurance companies have asked a court to block a $19.7 million claim by owners of more than two dozen forged Jean-Michel Basquiat paintings that were seized during an FBI raid at the Orlando Museum of … ORLANDO, Fla. (AP)

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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.

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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.

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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.

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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.

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Central Insurance

DECEMBER 25, 2024

Learn essential loss control strategies to protect tow truck insurance companies from costly claims. The post Loss Control Tips to Protect Tow Truck Insurance Companies from Costly Claims appeared first on Central Insurance Blog. Explore safety tips, training, and maintenance to minimize risks.

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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.

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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.

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Property Insurance Coverage Law

JANUARY 9, 2025

1 … The post Delay, Deny, Defend Professor Offers Suggestions for Meaningful Insurance Claims Reform appeared first on Property Insurance Coverage Law Blog. 1 … The post Delay, Deny, Defend Professor Offers Suggestions for Meaningful Insurance Claims Reform appeared first on Property Insurance Coverage Law Blog.

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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.

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Property Insurance Coverage Law

SEPTEMBER 21, 2024

Claims deadlines and submittals are no longer easy for Florida policyholders. It’s hard to keep up with all the changes to … The post The Deadline to Properly Submit a Hurricane Ian Claim Is September 28 – Double Check Claim Submissions appeared first on Property Insurance Coverage Law Blog.

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Insurance Journal

JULY 11, 2024

North Carolina authorities have charged one woman and are on the lookout for another in connection with a scheme to defraud a State Farm insurance company of more than $195,000. India Ayesha Wilkerson, 25, of Greensboro, was charged with insurance …

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Claim Insurance Companies Insurance Insurer 277

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.

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Property Insurance Coverage Law

OCTOBER 19, 2024

A federal appellate decision has provided valuable insights into the claims handling practices of Church Mutual Insurance Company and the duties of insurers in Louisiana. Church Mutual Insurance Company, 1 offers important lessons for property adjusters and claims managers across the industry.

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Property Insurance Coverage Law

NOVEMBER 5, 2024

A recent Indiana Court of Appeals decision where Merlin Law Group’s Ed Eshoo was counsel for the policyholder provides a textbook example of how an insurance company’s conduct can waive strict policy requirements, even when attempting to preserve those rights through reservation letters.

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Insurance Journal

DECEMBER 13, 2024

A Lakeland, Florida, woman was charged this week with threatening mass violence after she reportedly told her health insurance company: “Delay, deny, depose. You people are next” echoing words allegedly used by the shooter of the UnitedHealthcare CEO. Briana …

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The Property Insurance Law Observer

FEBRUARY 25, 2025

Spinnaker Insurance Company , the United States District Court for the Western District of Pennsylvania considered a homeowners insurance coverage dispute, ultimately finding that questions of residency and alleged fraudulent misrepresentations precluded summary judgment. In Jackson v. Conclusion Jackson v.

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Property Insurance Coverage Law

NOVEMBER 18, 2024

United Insurance Company 1 offers timeless guidance on the distinction between preliminary “proof of loss” requirements and “proof” evidence required at trial. This distinction remains critically important for today’s insurance practitioners and policyholders alike. The 1802 New York Supreme Court case of Lenox v.

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Property Insurance Coverage Law

SEPTEMBER 19, 2024

Restoration Contractors and Roofers Need to Be Careful and Not Overstep into Adjusting Claims, Subjecting Them to Criminal Prosecution appeared first on Property Insurance Coverage Law Blog.

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Insurance Journal

AUGUST 15, 2024

A Maui judge’s ruling resolves a critical roadblock to finalizing a $4 billion wildfire settlement: Insurance companies who have paid out more than $2 billion in claims can seek reimbursement only from the settlement amount defendants, who victims blame for …

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Insurance Journal

NOVEMBER 26, 2024

An Ohio man was sentenced to five years in prison and ordered to pay restitution for filing 24 fraudulent claims with multiple insurance companies, totaling more than $229,000, the Ohio Department of Insurance announced. Justin Mack, a native of Buffalo, …

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Insurance Journal

DECEMBER 9, 2024

A North Carolina elementary school principal and a Cape Hatteras man were arrested last week and charged with insurance fraud after authorities said they attempted to make false claims to their insurance companies. Robert Grayson Dail, 35, of Gibsonville, principal …

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Insurance Journal

JANUARY 9, 2025

Pennsylvania Lumbermens Mutual Insurance Company (PLM), headquartered in Philadelphia, named Steve Firko as executive vice president and chief operating officer overseeing all front-line customer-focused operating departments, including underwriting, field operations, claims, loss control, marketing, customer service, and operations.

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Top Insurance Blogs

APRIL 22, 2025

As someone who has insured my car in Germany for over 20 years and spent a decade working as an insurance agent, I’ve seen the ins and outs of the car insurance industry. Whether you’re a citizen or an expat living in Germany, understanding how to process a car insurance claim is important.

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The Property Insurance Law Observer

SEPTEMBER 16, 2024

Liberty Mutual Insurance Company , the U.S. Court of Appeals reviewed a summary judgment ruling in favor of co-defendant West American Insurance Company (“West American”), issued by the U.S. A lawsuit ensued, wherein the Insured alleged that West American breached the contract by failing to pay full value for the claim.

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Insurance Journal

OCTOBER 29, 2024

Six months after a North Carolina captive insurance firm for nursing homes around the country accused its managers of poaching proprietary software and forming a competing management company, a federal judge has dismissed the lawsuit. “Plaintiffs have pleaded no factual …

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Property Insurance Coverage Law

AUGUST 15, 2024

Insurance companies claim that when claims numbers are simply made up, that act constitutes fraud. If that is so, then insurance company fraud statistics are a fraud. The often wrongfully cited estimate of $308.6 billion is an admittedly “make believe” estimate. A recent article by Kenneth S.

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Insurance Journal

OCTOBER 9, 2024

Almost two years after a group of independent claims adjusters alleged that insurers had deceptively altered their damage estimates and low-balled policyholders, Florida’s chief financial officer has issued an emergency rule barring similar actions in Hurricane Milton claims. “Any move …

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Rough Notes

APRIL 17, 2025

The effect of rulings that came down justas Los Angeles area residents were recovering from the devastating 2025 wildfires A California trial court ruled for the insurance company, reasoning that the wildfire residue that had been literallywiped away by the homeowners did not amount to physical loss under the homeowners policy.

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