Property Insurance

HomeProperty Insurance

The Basics of All Risk Insurance and Fortuity

My recent article, What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance? seems like a good time to restate some basic...

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The Basics of All Risk Insurance and Fortuity

My recent article, What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance? seems like a good time to restate some basic...

What Does “Follow the Form” Mean In Modern Insurance Practice?

Reading Surplus Lines Property Policies in a Tower of Insurance After Ohio Casualty v. Patterson-UTI Energy Commercial property losses involving surplus lines insurance rarely...

What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance?

Insurance disputes often turn on small words that carry enormous consequences. Few words are as deceptively simple and as consequential as “fortuity.” It...

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Allstate Holiday Driver Report: How to stay safe during winter’s most dangerous travel days

Key takeaways Drivers in some cities struggle far more in winter. Madison, Wis., plunges 128 spots in safety rankings, and Florida leads with the...

Florida’s New Artificial Intelligence Claims Bill

Artificial intelligence is racing into the insurance world faster than most policymakers can catch their breath. Claims departments are experimenting with tools that...

Should Captives Be Allowed to Insure Homeowners Risks?

This article is part of a sponsored series by Risk Insurance...

What Insurance Companies Don’t Want You to Know About Their Secret Claims Initiatives

The growing frustration about claims handling among policyholders, those advocating for them, and even many within the insurance industry itself is not misplaced....

Indiana Condo Repair Dilemma: Limited Common Area Fixture, Who Pays?

In prior blog posts, I have discussed Illinois, Michigan, Wisconsin, and Minnesota law as it relates to the allocation of responsibility for property...

How to Grow an Independent Insurance Agency

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

California Appraisal and Delay | Property Insurance Coverage Law Blog

California property insurance and public adjusters know better than that disputes over “amount of loss” rarely travel alone. They arrive hand in hand...

Profits Versus Christmas Cheer—A Good-Business Lesson

This article is part of a sponsored series by Old Republic...

USAA Appraisal Dispute in Washington

Washington’s federal courts continue to enforce appraisal as a dispute-resolution mechanism the insurer must honor. The recent decision in Cory v. USAA General...

Pre-Loss Roofing Assignments in Iowa

A recent federal decision out of Iowa should make every roofing contractor, restoration contractor, and public adjuster take note if they enter into...

Residency, Responsibility, and Risk: Who Lives in a Home Is a Huge Coverage Issue

A fire struck the only home owned by the Pour family in Minnesota, but the true devastation came later in the claims process...