Property Insurance

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When Rain Finds a Defect, Coverage Should Not Disappear

The Wisconsin Supreme Court’s decision in Cincinnati Insurance Company v. Ropicky 1 is important because it frames the legal dispute correctly. This was...

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When Rain Finds a Defect, Coverage Should Not Disappear

The Wisconsin Supreme Court’s decision in Cincinnati Insurance Company v. Ropicky 1 is important because it frames the legal dispute correctly. This was...

Will Your Next Insurance Claim Be Denied by a Computer?

Insurance law professor Daniel Schwarcz recently noted me in a LinkedIn comment to his post about a timely and important law review article...

Are Insurers Underwriting Risk or Underwriting Policyholder Independence?

For most of my career, property insurance underwriting has been understood as the business of evaluating risk. What is the building made of?...

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“Property” Means More Than Machines: Lessons About Restoration Periods and Extra Expense

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The Arizona Beverages v. Hanover dispute is one of those cases that looks narrow at first glance but is important for anyone involved...

How Technology Helps MGAs Overcome Operational Friction

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This article is part of a sponsored series by dyad. MGAs don’t...

Cyber Business Income Claims After a Data Breach: Are Lost Clients and Lost Trust Covered Losses?

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Cyber insurance was originally marketed as a technical product. If the servers went down, the policy would help pay to get them back...

Insures Don’t Get to Deny and Escape RCV Promises

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Florida courts continue to wrestle with a deceptively simple question: What happens to replacement cost coverage when an insurer denies a claim outright...

Court Says Ensuing Loss Requires More Than Increased Susceptibility

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In Stella Property...

The Essential Checklist for Starting Your Independent Agency

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

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...
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