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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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Public Adjuster Fees Under Claims Adjustment Expenses

This post follows “Does the Insurance Carrier Pay the Public Adjuster Fee?” where I indicated that public adjuster fees cannot be collected under a...

Does the Insurance Carrier Pay the Public Adjuster Fee?

This blog post is the result of Steve Badger writing a LinkedIn post, where he highlighted a public adjusting firm advertising that public...

Minnesota Condo Repair Dilemma: Who Pays for the Pipes?

Since starting this series, I have explored Illinois, Michigan, and Wisconsin law as it relates to the allocation of responsibilities for property insurance...

Advice From a Surety Underwriter to the Owner of a Start-Up Construction Company

This post is part of a series sponsored by Old Republic Surety. Early in my underwriting...

Does An Insurer Have a Right to Take Property or Claim Salvage Absent Policy Language?

When an insurance company pays out the full insured value of damaged property, does it automatically acquire the right to take possession of...

From Risk to Reward: New Research Finds Increased Payoff from Disaster Resilience Investments

Washington — Allstate, the U.S. Chamber of Commerce and the U.S. Chamber of Commerce Foundation today released new research showing that each dollar not invested in...

Florida’s Insurance Fines: A Spotlight on a Broken System

This week, news broke that Florida regulators recently fined three insurance companies – American Coastal, TypTap, and Sutton National – for mishandling claims. American...

Allstate launches new all-sport championship series with the Big 12

IRVING, Texas, and NORTHBROOK, Illinois, September 4, 2025 — The Big 12 Conference and Allstate today announced a multi-year partnership to launch the...

Florida Regulators Fine Insurers Over $2 Million for Hurricane Claims Misconduct: Is It More Show Than Substance?

The Florida Office of Insurance Regulation (OIR) announced this week that eight insurers will pay more than $2 million in fines for misconduct...

Public Adjusters: Actual Cash Value and Complete Expert Reports are Essential

Recent speeches by me to public adjusting associations have focused on public adjusters providing compelling work to verify the amount of loss and...

Smoke, Soot, and Ash Testing Is Important

One important point from yesterday’s blog, Smoke and Soot Are Covered Causes of Loss, is that there needs to be findings of microscopic particulate...

Using Hierarchies to Accelerate Onboarding and Scale Efficiently

This post is part of a series sponsored by AgentSync. The reality of today’s insurance landscape:...