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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First Fortuity Case | Property Insurance Coverage Law Blog

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The modern debates over fortuity in all-risk insurance often feel abstract, as if the concept emerged fully formed from mid-twentieth-century treatises or contemporary...

The Basics of All Risk Insurance and Fortuity

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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?

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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?

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

Happy Holidays from Merlin Law Group

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As the year comes to a close, we want to take a moment to wish our clients, colleagues, and friends a joyful holiday...

Why Christmas Is the Right Time to Thank the People We Disagree With

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Christmas Eve has a way of slowing us down, whether we like it or not. The calendar forces a pause. The noise quiets....

Wildfire Smoke Damage Insurance Rights

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

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

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(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

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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

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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

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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

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