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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Wrong Application Answer Becomes Coverage Achilles’ Heel

George and Inna Botelho owned a high-value home with a roof that had gone badly wrong long before Indian Harbor ever issued a...

One Year Later: What the Altadena and Palisades Fires Really Taught Us About Smoke, Contamination, and Claims

This week marks one year since the Altadena and Pacific Palisades fires reshaped the lives of thousands of families across Los Angeles. For...

The Real Insurance Fire Still Burns

This week marks the anniversary of the wildfires that tore through Los Angeles communities, reduced neighborhoods to ash, and changed lives forever. Anniversaries...

Allstate to hold Q4 2025 earnings call Feb. 5, 2026

NORTHBROOK, Ill., Jan. 7, 2026 – The Allstate Corporation (NYSE: ALL) will host a conference call and webcast at 9 a.m. ET on...

RoofCON a Big Hit—USAA a Winner!

Larry Bache, Drew Houghton, and I gave a presentation to roofers and contractors at RoofCON in Oklahoma City today. The presentation provided a framework...

Wildfires, Frustration, and the Question Everyone Is Asking: What Really Happens Next?

A year ago, after writing about the devastation left behind by Los Angeles catastrophic wildfires in “Wildfire Devastation—What Next?”, I received a public comment...

Can an Insurer Demand Multiple Proofs of Loss? A Partial Proof May Be Enough

How many proofs of loss can be demanded was a question at the heart of a federal court decision involving a Louisiana hurricane...

Contractors and Roofers “No Out of Pocket” Promises Are Backfiring

There are moments when a court opinion stops me cold. Not because it is wrong or that it is something that has never...

Reading Between the Lines of California’s $22.4 Billion Wildfire Claims Announcement

California’s Department of Insurance recently issued a press release announcing that insurers have paid $22.4 billion to wildfire survivors. 1 On its face,...

Risk Scores, Wildfires, and the Quiet Remaking of Property Insurance

The start of a new year is a good time to reflect on how quietly, and sometimes invisibly, fundamental systems change. Few forces...

Fortuity Reconsidered: Why an Unwritten Doctrine Still Haunts Property Insurance

For nearly a century, courts and commentators have treated fortuity as if it were a natural law of insurance rather than what it...

Is a Crack to an Opal a Fortuitous Loss?

One year following the fortuitous loss case Mellon v. Federal Insurance Company, which I wrote about yesterday in The First Discussion of Fortuity...