Property Insurance

HomeProperty Insurance

The Insurance Industry’s Quiet War Against Public Adjusters Update

I recently wrote about a controversial lawsuit involving anti-public adjuster endorsements being used by surplus lines insurers in The Insurance Industry’s New Playbook:...

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The Insurance Industry’s Quiet War Against Public Adjusters Update

I recently wrote about a controversial lawsuit involving anti-public adjuster endorsements being used by surplus lines insurers in The Insurance Industry’s New Playbook:...

Where Did the Term “Lowballing” Come From?

Insurance lawyers hear the term “lowballing” all the time. Public adjusters say carriers are lowballing claims. Policyholders complain that insurers are lowballing estimates....

Renewals Don’t Have to Be a Fire Drill

This article is part of a sponsored series by dyad. After 30...

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Washington’s Proposed Claims Handling Regulations Matter, and Other States Should Pay Attention

Every once in a while, an insurance regulator gets it right by focusing not on slogans, but on how claims actually unfold in...

Wrong Application Answer Becomes Coverage Achilles’ Heel

George and Inna Botelho owned a high-value home with a roof that had gone badly wrong long before Indian Harbor ever issued a...

One Year Later: What the Altadena and Palisades Fires Really Taught Us About Smoke, Contamination, and Claims

This week marks one year since the Altadena and Pacific Palisades fires reshaped the lives of thousands of families across Los Angeles. For...

The Real Insurance Fire Still Burns

This week marks the anniversary of the wildfires that tore through Los Angeles communities, reduced neighborhoods to ash, and changed lives forever. Anniversaries...

Allstate to hold Q4 2025 earnings call Feb. 5, 2026

NORTHBROOK, Ill., Jan. 7, 2026 – The Allstate Corporation (NYSE: ALL) will host a conference call and webcast at 9 a.m. ET on...

RoofCON a Big Hit—USAA a Winner!

Larry Bache, Drew Houghton, and I gave a presentation to roofers and contractors at RoofCON in Oklahoma City today. The presentation provided a framework...

Wildfires, Frustration, and the Question Everyone Is Asking: What Really Happens Next?

A year ago, after writing about the devastation left behind by Los Angeles catastrophic wildfires in “Wildfire Devastation—What Next?”, I received a public comment...

Can an Insurer Demand Multiple Proofs of Loss? A Partial Proof May Be Enough

How many proofs of loss can be demanded was a question at the heart of a federal court decision involving a Louisiana hurricane...

Contractors and Roofers “No Out of Pocket” Promises Are Backfiring

There are moments when a court opinion stops me cold. Not because it is wrong or that it is something that has never...

Reading Between the Lines of California’s $22.4 Billion Wildfire Claims Announcement

California’s Department of Insurance recently issued a press release announcing that insurers have paid $22.4 billion to wildfire survivors. 1 On its face,...

Risk Scores, Wildfires, and the Quiet Remaking of Property Insurance

The start of a new year is a good time to reflect on how quietly, and sometimes invisibly, fundamental systems change. Few forces...

Fortuity Reconsidered: Why an Unwritten Doctrine Still Haunts Property Insurance

For nearly a century, courts and commentators have treated fortuity as if it were a natural law of insurance rather than what it...