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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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Mercury to Return to Paradise California as Rebuilding Efforts Gain Momentum

Insurance Journal

Mercury Insurance announced this week that the company will begin writing new homeowners insurance policies in the town of Paradise, California. Mercury says it is the first major insurance company to begin offering policies to Paradise homeowners since the town …

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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. 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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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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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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Is Waiving Forfeiture Clauses Possible? Unlocking Possible Overlooked Arguments for Coverage

Property Insurance Coverage Law

Ohio Casualty Insurance Company, 1 is a case decided last week involving vacancy clauses often found in property insurance policies, the impact of forfeiture clauses, and how those clauses can be waived. Sinjel, L.L.C.

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Who Is the Insurer? Does the Binder Matter?

Property Insurance Coverage Law

Insurance policies are like a box of chocolates—you never quite know what you’re going to get. Zurich American Insurance Company, 1 maybe you do, but the label on the box has you scratching your head. You might think Zurich American Insurance Company is the insurer after reading … The post Who Is the Insurer?