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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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The Best Renters Insurance Companies in the United States in 2025: Low Rates and Excellent Service

Top Insurance Blogs

Finding the best renters insurance policy is a cost-effective approach to safeguard your things against damage or theft. These […] The post The Best Renters Insurance Companies in the United States in 2025: Low Rates and Excellent Service appeared first on My Top Insurance Blogs.

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The Importance of Experts J&S Welding, Inc. v. Liberty Mutual Insurance Company

The Property Insurance Law Observer

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. Subsequently, West American issued payment for the damages it deemed to be covered and non-cosmetic.

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Does Commercial Property Insurance Cover Water Damage?

Tosten Marketing

Water damage can wreak havoc on commercial properties, leading to costly repairs and business disruptions. At Tosten Marketing, we often hear from business owners wondering about their insurance coverage for such incidents. Commercial property insurance water damage coverage is a complex topic with many nuances.

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Court Differentiates Vandalism from Theft in First Party Insurance Policy

The Property Insurance Law Observer

The United States District Court for the Western District of Washington decided an insurance coverage case involving Plaintiffs Benny and Guangying Cheung and Defendant Allstate Vehicle and Property Insurance Company. Plaintiffs argued that the damage was covered under the policy, primarily resulting from theft.

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Court Says Loose Bolt Remedied by Tightening Does not Constitute “Direct Physical Loss of or Damage” to Property

The Property Insurance Law Observer

American Guarantee and Liability Insurance Company , the United States District Court for the District of Massachusetts held that a loose bolt or fitting that could be remedied simply by tightening it did not constitute “direct physical loss of or damage” to equipment covered under an all-risk property insurance policy. [1]

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Why Insurance Companies Won't Write Policies Before Named Storms

Wren Insurance Agency

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two prior to a named storm possibly impacting the state. The more damage, the more likely premiums will rise at renewal.

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