Property Insurance

HomeProperty Insurance

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...

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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?...

The Hidden Barrier to Scaling Specialty Insurance

This article is part of a sponsored series by OIP Insurtech. Fourteen...

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Public Adjuster Contract Compliance – Who is Responsible When Rules Are Not Clear?

(Chip’s Note: From time to time, someone makes a career decision that says more about values than ambition, and those are the choices...

A Wrong Insurance Application Answer Destroys Coverage

Insurance cases often turn on small words with enormous consequences. Few illustrate this better than a recent Arkansas appellate decision in Hiscox Dedicated...

Tackling the Toxic Aftermath: Insights from United Policyholders’ “Wildfire Smoke Damage and Your Insurance Rights” Webinar

As an attorney who has spent years fighting for policyholders, I’ve seen how wildfire recovery has shifted from simple “char and ash” claims...

The “Cosmetic Damage Exclusion” Won: What a Court Said About Hail-Dented Metal Roofs

A federal court decision from Minnesota provides a sobering look at how cosmetic damage exclusions may be interpreted in hail-damage cases involving metal...

Claims Excellence for Whom? | Property Insurance Coverage Law Blog

An insurance claims practice expert sent me a 2008 white paper this week, which prompted a lot of personal reflection worth discussing. It...

Adjustment Time Still Counts in Period of Restoration Disputes

Following up on yesterday’s post, Large Business Interruption Verdict Results in Post-Trial Fights, the business interruption requirement to determine the period of restoration was...

November 2025 Monthly Release | Allstate Newsroom

NORTHBROOK, Ill., December 18, 2025 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of November of $46 million...

Large Business Interruption Verdict Results in Post-Trial Fights

The final verdict is not necessarily the end of an insurance dispute. That is exactly what we are seeing now after the jury...

Frozen Pipes, Water Loss, and Winter Lessons

Frozen pipes resulting in water loss are nothing new when the first winter freeze comes. When winter storms roll through the normally warm...

Independent Agencies Win When Retention Comes First

This article is part of a sponsored series by EZLynx. As an...

Leveling Up Fleet Safety with Inspection Technology

This article is part of a sponsored series by IAT. Pre- and...

Insurance Readability Isn’t Improving and Insurance Agents Need to Step Up

A follow-up to my post, Homeowners Cannot Understand Their Policy Even When They Read It, is important because the topic cannot be overstated....