Property Insurance

HomeProperty Insurance

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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Public Adjuster Fees Under Claims Adjustment Expenses

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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?

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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?

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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

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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?

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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

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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

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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

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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?

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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

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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

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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

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