Property Insurance

HomeProperty Insurance

Travelers’ $27 Million Soot and Smoke Case Takes a Turn: The Panel Opinion Has Been Vacated

The fight over whether soot and smoke constitute “direct physical loss” isn’t over. In fact, it’s about to get bigger. I previously wrote about...

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Travelers’ $27 Million Soot and Smoke Case Takes a Turn: The Panel Opinion Has Been Vacated

The fight over whether soot and smoke constitute “direct physical loss” isn’t over. In fact, it’s about to get bigger. I previously wrote about...

Gimme the Money Back! Can an Insurer Change Its Mind After Payment?

I was taught that insurance coverage could never be created by estoppel, but insurers waive exclusions and conditions precedent by payment. So, when...

Court Rejects Appraisal Protocol | Property Insurance Coverage Law Blog

Good ole’ Steve Badger and I have a lot of debates about the issues of having terms of appraisal and an appraisal memorandum...

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The Price of Homeownership: When Insurance Becomes the Breaking Point

The recent letter from a group of congressional leaders to the Federal Housing Finance Agency is a clear signal that homeownership in America...

The Seven-Page Myth: Chubb’s Incredible Claim That It Has No Claims Manuals

Every so often, something crosses my desk that stops me mid-sentence. Recently, an attorney on a professional listserv wrote to me, frustrated and...

The Stupidity of Taking Matching Out of Actual Cash Value

Every once in a while, I come across an insurance argument so off-base it makes me wonder if someone fell asleep during basic...

Allstate announces availability of third quarter 2025 results

NORTHBROOK, Ill., Nov. 5, 2025 – The Allstate Corporation (NYSE: ALL) has filed a Form 8-K reporting its financial results for the quarter...

Transforming Agencies with EZLynx Innovations

This post is part of a series sponsored by EZLynx. We had an incredible time at...

Heritage Adjuster Lawsuit| Property Insurance Coverage Law Blog

When Heritage Insurance decided to sue its former independent adjuster, Jordan Lee, 1 it lit a fire that will almost certainly illuminate far...

Taking Your Construction Company to the Next Level

This post is part of a series sponsored by Old Republic Surety. There are many ways...

A Burst Pipe Becomes an “Earth Movement,” Defeating The Purpose of Insurance

A recent federal decision out of Connecticut, Dalmac Realty LLC v. Scottsdale Insurance Company, 1 perfectly captures how modern open perils, aka “all risk”...

The Ethics of Insurance Company Role-Playing

In many of my speeches this year, I’ve invited audience participation and heard from many former insurance company adjusters and independent adjusters about...

Bad Faith by Delay: What About Timelines and the Duty to Move the Money?

Claim delay causing a tardy payment is not good faith claims handling. Insurance companies must immediately investigate coverage and evaluate damages after learning...

Does California’s New Wildfire Contents Rule Help—or Create New Coverage Gaps?

Recently, California Senate Bill 495, authored by Senator Ben Allen, who represents the Pacific Palisades, was signed into law. This bill changes how wildfire...

Detroit to Pay Nearly $6M in Death Connected to Bus Driver with Many Crashes

The city of Detroit has agreed to pay $5.85 million to settle a lawsuit over...