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First Fortuity Case | Property Insurance Coverage Law Blog

The modern debates over fortuity in all-risk insurance often feel abstract, as if the concept emerged fully formed from mid-twentieth-century treatises or contemporary...

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First Fortuity Case | Property Insurance Coverage Law Blog

The modern debates over fortuity in all-risk insurance often feel abstract, as if the concept emerged fully formed from mid-twentieth-century treatises or contemporary...

The Basics of All Risk Insurance and Fortuity

My recent article, What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance? seems like a good time to restate some basic...

What Does “Follow the Form” Mean In Modern Insurance Practice?

Reading Surplus Lines Property Policies in a Tower of Insurance After Ohio Casualty v. Patterson-UTI Energy Commercial property losses involving surplus lines insurance rarely...

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Allstate reveals America’s 10 riskiest roads for drivers this Halloween

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Key takeaways  Halloween falls on a Friday this year, overlapping with hazardous weekend driving hours.  Allstate identified 10 of the riskiest road segments in major...

Built to Last: Buyer Beware

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I watched “Built to Last: Buyer Beware” today at the FAPIA Fall Conference, and it stirred something deep in me. The documentary exposes a...

Arbitration in Insurance Policies: The Litigation Disguised as “Efficiency”

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Arbitration in insurance policies is hardly a new concept. In fact, its lineage can be traced to the Standard Fire Policy of Massachusetts,...

Public Adjusters Strike Back: FAPIA and NAPIA Sue Velocity Risk Over Anti-Public Adjuster Endorsements

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Florida’s public adjusters have taken the fight to the courthouse. In Florida Association of Public Insurance Adjusters and National Association of Public Insurance Adjusters...

When Insurance Agents Fail to Warn About Renewal: Connecticut Requires a Special Relationship

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When your business or house burns down and you find out, too late, that your property insurance policy was not renewed, you do...

Strengthening Professional Standards in Insurance

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This post is part of a series sponsored by Risk & Insurance Education Alliance. In an...

Claims Handling Excellence | Property Insurance Coverage Law Blog

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Barry Zalma has long been a respected voice in the insurance law and claims community. His insights into what constitutes excellence in claims handling should...

Is an Insurance Company’s Underpayment a Breach of Contract? A Florida Court Says Maybe Not

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Yesterday’s decision from Florida’s First District Court of Appeal, Bailetti v. Universal Property & Casualty Insurance Company, 1 highlights an increasingly difficult hurdle for...

Reflections From the TAPIA Fall Conference

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The Texas Association of Public Insurance Adjusters (TAPIA) just finished its fall meeting in Houston.  It seems like yesterday, rather than 17 years...

Skipping the EUO and Refusing to Produce Documents Cost a $3 Million Claim

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Do policyholders have to comply with post-loss obligations anew when submitting new or different claims that materially differ in scope or value from...

Internal Insurance Fraud | Property Insurance Coverage Law Blog

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Most of my writings on insurance fraud have focused on what I view as one of the industry’s most significant problems. This is...

Allstate to hold Q3 2025 earnings call Nov. 6

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NORTHBROOK, Ill., Oct. 6, 2025 – The Allstate Corporation (NYSE: ALL) will host a conference call and webcast at 9 a.m. ET on...
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