Property Insurance

HomeProperty Insurance

Travelers’ $27 Million Soot and Smoke Case Takes a Turn: The Panel Opinion Has Been Vacated

The fight over whether soot and smoke constitute “direct physical loss” isn’t over. In fact, it’s about to get bigger. I previously wrote about...

More updates

Travelers’ $27 Million Soot and Smoke Case Takes a Turn: The Panel Opinion Has Been Vacated

The fight over whether soot and smoke constitute “direct physical loss” isn’t over. In fact, it’s about to get bigger. I previously wrote about...

Gimme the Money Back! Can an Insurer Change Its Mind After Payment?

I was taught that insurance coverage could never be created by estoppel, but insurers waive exclusions and conditions precedent by payment. So, when...

Court Rejects Appraisal Protocol | Property Insurance Coverage Law Blog

Good ole’ Steve Badger and I have a lot of debates about the issues of having terms of appraisal and an appraisal memorandum...

Explore more

Colorado Smoke and Soot Coverage Bulletin

For years, I’ve been warning that insurance companies are quietly working to limit or deny coverage for smoke, soot, and ash damage even...

Oklahoma Adopts New Insurance Laws Impacting Policyholders’ Right to Assign its Claim and Public Adjuster Compensation

The Oklahoma Insurance Department (OID) has issued Bulletin No. 2025-07, outlining several important legislative changes that will take effect on November 1, 2025....

Tornadoes, Tenants, and Traps in the Lease: Lessons on Insurance Obligations Between Landlords and Tenants

A recent decision, Fort Worth Partners, LLC v. Nilfisk, Inc., 1 should make every landlord, tenant, commercial property manager, and commercial and real estate...

Secrets Behind the Curtain: How Insurers Are Using “Trade Secrets” to Hide from Regulation

State Farm’s refusal to turn over documents to the Illinois Department of Insurance is more than just another corporate legal spat. It is...

What Is Reciprocal Insurance? | Property Insurance Coverage Law Blog

Every so often, a case comes along that, while steeped in legal complexity, offers a rare window into the structure and operation of...

ACV Matching in Florida | Property Insurance Coverage Law Blog

This post follows yesterday’s post, Glens Falls Revisited: Actual Cash Value, Matching, and the Measure of True Indemnity in Florida, promising a hypothetical proving...

Glens Falls Revisited: Actual Cash Value, Matching, and the Measure of True Indemnity in Florida

When we talk about Florida’s definition of actual cash value, we are really talking about a promise of indemnity. That promise lies at...

September 2025 Monthly Release | Allstate Newsroom

NORTHBROOK, Ill., October 16, 2025 – The Allstate Corporation (NYSE: ALL) today announced estimated catastrophe losses for the month of September of $161 million...

Layered Coverage Notice and Forms| Property Insurance Coverage Law Blog

One of the most overlooked but critical aspects of handling large commercial insurance claims, particularly those involving Lloyd’s and surplus lines carriers, is...

Allstate reveals America’s 10 riskiest roads for drivers this Halloween

Key takeaways  Halloween falls on a Friday this year, overlapping with hazardous weekend driving hours.  Allstate identified 10 of the riskiest road segments in major...

Built to Last: Buyer Beware

I watched “Built to Last: Buyer Beware” today at the FAPIA Fall Conference, and it stirred something deep in me. The documentary exposes a...

Arbitration in Insurance Policies: The Litigation Disguised as “Efficiency”

Arbitration in insurance policies is hardly a new concept. In fact, its lineage can be traced to the Standard Fire Policy of Massachusetts,...