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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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State Farm Water Damage Exclusions

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State Farm’s advertising paints a comforting picture for homeowners. On its website, the company reassures policyholders that water damage is “typically covered” when...

7 Types of Agents Scorching Your Agency P&L

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Producer licensing has been messy for so long that it’s hard to imagine a future...

Rising From the Ashes: Annie Barbour’s Journey of Survival and Service

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When flames tore through Coffey Park during the California Tubbs Fire in 2017, Annie Barbour’s home and community were left in ruins. Like...

The Most Common Trucking Cargo Claims and How to Avoid Them

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This post is part of a series sponsored by IAT Insurance Group. Transporting cargo is more...

When “From Any Cause” Doesn’t Mean Every Cause in Marine Cargo Policies

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A recent opinion in Atlantic Business Corporation d/b/a ABO Pharmaceuticals v. RLI Insurance Company 1 provides a lesson that in property insurance law, a...

When the Jury’s Word Doesn’t Stand: Trial Court Overturns Brotherhood Mutual Bad Faith Verdict

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Earlier this year, I reported on a striking jury verdict against Brotherhood Mutual Insurance Company in a dispute brought by Green Acres Baptist...

Billing By the Hour: Its Origin and Abbreviated History

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Good ol’ Steve Badger and I had a great debate this morning at the RCAT conference in Austin. He suggested a correction on...

Banks Should NOT be Asking for Additional Insured Status

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We welcome back to the Academy Journal Christopher Boggs, Chief Consultant with Boggs Risk &...

When Insurers’ Own Science Shows Small Hail Can Wreck Roofs

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The Insurance Institute for Business & Home Safety (IBHS) has released research that undercuts one of the most common arguments made in hail...

August 2025 Monthly Release | Allstate Newsroom

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NORTHBROOK, Ill., September 18, 2025 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of August of $213 million...

Take Heed of the Tortoise and the Hare: Speeding Doesn’t Win

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This post is part of a series sponsored by IAT Insurance Group. There’s much wisdom to...

When Proof of Value Sinks a Claim: Actual Cash Value Matters

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Property insurance disputes often turn not on whether a loss occurred, but on how the loss is valued. The recent federal case of...
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