Property Insurance

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Not Every “Flood” Is a Flood and Why the Source of the Water Matters

A recent LinkedIn post showed a dramatic scene of a broken pipe, apparently off premises, sending water racing across the surface and into...

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Not Every “Flood” Is a Flood and Why the Source of the Water Matters

A recent LinkedIn post showed a dramatic scene of a broken pipe, apparently off premises, sending water racing across the surface and into...

AI is Reshaping Property Claims

Lantz Savage heads up our New Orleans office. He has a background in software coding before he went to law school. I met...

Lane & Associates Nearly Triples Premium with ALIS DX

Background Lane & Associates is a Louisiana-based independent surplus lines broker and MGA specializing in commercial and personal specialty lines. After acquiring the business...

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Smoke Without Flames Is Still a Fire: Lessons from a New York Smoke Damage Battle

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Smoke damage claims are never really about smoke. They are about trust, proof, judgment, and whether insurance will honor its promise when loss...

Allstate announces availability of fourth quarter 2025 results 

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NORTHBROOK, Ill., Feb. 4, 2026 – The Allstate Corporation (NYSE: ALL) has filed a Form 8-K reporting its financial results for the quarter ended Dec. 31,...

How Insurance Lobbyists Quietly Hijack State Law

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If you want to understand how insurance laws really get made, Oklahoma just handed the rest of the country a case study. Earlier this...

The Hidden “Wind-Driven Rain” Trap in Water Damage Claims

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When courts talk about “wind-driven rain,” something subtle but important has already gone wrong. The phrase sounds authoritative. It feels like a defined...

Accounting and Commission Automation for Multi-Carrier MGAs in Texas

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This article is part of a sponsored series by Selectsys. If you’re...

Nevada’s Wildfire Coverage Exclusion vs. California’s Mandatory Fire Coverage

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A shift in some states’ approach to homeowners insurance for wildfires may be coming to your state next. Nevada recently approved a law...

Texas Procedural Precision in Property Insurance Claims

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I have tried and litigated property insurance cases across the country. While every jurisdiction has its quirks, Texas continues to distinguish itself as...

“Below the Deductible” Isn’t the End of the Story in Hail Damage Ruling

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Insurers often believe that once they determine damages fall below the deductible, the claim is effectively over. Policyholders hear the phrase “below the...

Piracy on the Rise in Tampa Bay!

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It is Gasparilla Day in Tampa. This is an annual civic ritual where otherwise respectable lawyers, doctors, judges, and business leaders, and I...

Trump’s Executive Order Promises Speed but Wildfire Survivors Wait on Insurance Checks

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The President’s January 27, 2026, executive order addressing the rebuilding of Los Angeles after the catastrophic 2025 wildfires landed with a thud for...

It’s Time: California Needs Science-Based Standards for Wildfire Insurance Claims

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California has reached a point where the way wildfire smoke claims are handled can no longer be left to guesswork. Newly introduced Assembly...

Ice Dams, Lay Witnesses, and Bad Faith Claim Handling

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Ice dam claims are deceptively simple and routinely mishandled. Snow builds up, heat differentials cause melting and refreezing, water intrudes where it should...
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