Property Insurance Coverage Law

MARCH 16, 2025

Public adjusters, policyholders, and attorneys keep asking me about the recent California smoke damage case where the court held that the smoke damage was not covered under the policy.I wrote about that decision in California Wildfire Attorneys Consider Impact of New Smoke Caselaw.

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Property Insurance Coverage Law

FEBRUARY 4, 2025

Stakeholders within the insurance industry have rightfully been calling for more leadership … The post Where Is the National Plan for Structural Resiliency? If there is to Be Available and Affordable Insurance, Then Property Has to Be More Resilient to Damage appeared first on Property Insurance Coverage Law Blog.

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Property Insurance Coverage Law

OCTOBER 15, 2024

This year, a record-tying … The post Tornado Damage During Hurricanes: Navigating the Deductible Dilemma appeared first on Property Insurance Coverage Law Blog. Opinions expressed are solely his own and are not meant to express the views or opinions of the IAUA.

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Property Insurance Coverage Law

FEBRUARY 9, 2025

A Shift in Smoke Damage Claims Following Recent Holding California wildfire attorneys are closely analyzing a recent appellate court holding that sets a new precedent for smoke damage claims.1

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Tosten Marketing

FEBRUARY 27, 2025

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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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

SEPTEMBER 16, 2024

A federal judge ruled last week that policyholders eventually have to “put up or shut up” when it comes to proving that certain interior damages caused by a storm must be the result of damage to the exterior of a building, allowing water to damage the interior of a building.

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Property Insurance Coverage Law

JANUARY 24, 2025

Journalist Jack Healy of the New York Times wrote an article,Their Homes Are Intact, but the Fire Damage Inside Is Unbearable. Healy accompanied wildfire victims back to their homes after the event.

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Insurance Journal

JANUARY 23, 2025

Moody’s Ratings said in a report on Thursday that it expects the Los Angeles wildfires to increase property insurance costs across California. According to Moody’s, the state’s already noticeable insurance pricing and availability challenges are likely to intensify, with negative …

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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.

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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

DECEMBER 1, 2024

This post gives State Farm a three-day winning hat trick following State Farm Wins Alabama Worn Out Roof Damage Case: Lesson About Hail Damage Cases, … The post State Farm Wins Worn-Out Plumbing Case: Ensuing Water Damage Not Covered Under State Farm’s Language appeared first on Property Insurance Coverage Law Blog.

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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.

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Insurance Journal

AUGUST 14, 2024

Roughly 290 residences in Alaska’s capital city were damaged last week by flooding from a lake dammed by the Mendenhall Glacier, officials said. In addition to the homes and apartment and condo units, at least two businesses were damaged, Deputy …

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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.

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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. These are some of … The post State Farm Water Damage Protocols and Insurance Company Expert Witnesses appeared first on Property Insurance Coverage Law Blog.

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Insurance Journal

FEBRUARY 6, 2025

Wildfires are intensifying the problems in California’s property insurance market, according to a new commentary from AM Best. Those problems include a major insurer pullback from California in the past year, followed by the L.A. wildfires, which could result in …

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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 15, 2025

Hurricane claims attorneys know that the estimate of damages caused by a storm is the foundation of every favorable judgment and jury verdict.

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Property Insurance Coverage Law

NOVEMBER 30, 2024

Yesterday’s article, State Farm Wins Alabama Worn Out Roof Damage Case: Lesson About Hail Damage Cases, Expert Testimony, and Investigation Standards, deserves a follow-up about a recent Texas federal court ruling regarding Texas hail damage to roof cases.

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Property Insurance Coverage Law

AUGUST 18, 2024

Property damage insurance claims funding by factoring companies is a relatively recent phenomenon in the property insurance claims industry.

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Property Insurance Coverage Law

OCTOBER 14, 2024

Following Hurricanes Helene and Milton, many Florida and southeast residents are left grappling with flood damage – some for the second or third time in recent years.

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Property Insurance Coverage Law

SEPTEMBER 26, 2024

A recent federal court ruling in Missouri highlights the critical importance of admissible expert testimony in property insurance disputes.

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Insurance Journal

JULY 11, 2024

posing greater risks to homeowners and mortgage lenders—and since flood damage tends to lower the market value of affected homes, it’s more likely that homeowners … Climate change is expected to increase the frequency and severity of floods in the U.S.,

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Property Insurance Coverage Law

JANUARY 7, 2025

Insurance companies denying hail damage claims are repeat players in the litigation arena. This post will provide more insight and lessons as a grand finale to Policyholders and Public Adjusters Often Need to Hire Their Own Experts, and Policyholders and Public Adjusters … The post Want to Win a Hailstorm Damage Lawsuit?

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Property Insurance Coverage Law

SEPTEMBER 3, 2024

On February 5, 2019, Opera Block’s owner, Timothy … The post Order and Bind Insurance Before the Loss—Commercial Policy Covers Water Damage Under Drain Backup Endorsement appeared first on Property Insurance Coverage Law Blog.

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Property Insurance Coverage Law

DECEMBER 7, 2024

The Mississippi Supreme Court has affirmed a $10 million punitive damages award against USAA for its bad faith handling of a Hurricane Katrina claim, sending a clear message about insurers’ obligations to their policyholders.1

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Property Insurance Centre

FEBRUARY 10, 2025

What Perils Are Covered by Commercial Property Insurance? Commercial property insurance is essential for businesses to protect their assets from unforeseen events. But what exactly does commercial property insurance cover? But what exactly does commercial property insurance cover?

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Property Insurance Coverage Law

DECEMBER 17, 2024

The Importance of Proving Damages for Partial Losses appeared first on Property Insurance Coverage Law Blog. Parties can contract to answer that question however they want. Here, Tahini Main Street and … The post When is a Collapse Not a Collapse?

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The Property Insurance Law Observer

JANUARY 23, 2025

District Court for the Middle District of Florida granted the insurers motion in limine and excluded evidence and testimony regarding replacement cost value of damages, matching, and to limit damages to direct physical loss. 2d 684, 690 (Fla. 2d DCA 2008).

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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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Insurance Journal

MARCH 18, 2025

(AP) Unusually vicious and damaging weather across multiple U.S. states spawned violent tornadoes, blinding dust storms and fast-moving wildfires over the weekend, leaving at least 39 people dead. In the latest tally of the destruction, the Oklahoma Department of …

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Insurance Journal

AUGUST 9, 2024

Reports from Gallagher Re and the Florida Office of Insurance Regulation suggest that Tropical Storm Debby will not be a heavy lift for property insurers and reinsurers. “Early assessments suggest wind-related physical damage (is) not as extensive as initially feared,” …

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Property Insurance Coverage Law

MARCH 30, 2025

A recent court ruling has provided significant clarity on whether State Farms use of Xactimates “New Construction” labor efficiency setting is legally permissible in property damage estimates. appeared first on Property Insurance Coverage Law Blog.

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Insurance Journal

DECEMBER 8, 2024

When hurricanes hit coastal areas, property insurers often breathe a sigh of relief when much of the damage appears to be the result of storm surge and flooding losses that aren’t covered by most homeowners’ policies. But after Hurricane …

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Property Insurance Coverage Law

MARCH 8, 2025

Wildfires are an unfortunate reality in California, and the recent Los Angeles wildfires have left behind more than just charred landscapestheyve also caused significant smoke damage to homes and businesses.

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Property Insurance Coverage Law

AUGUST 30, 2024

appeared first on Property Insurance Coverage Law Blog.

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