Property Insurance

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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...

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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...

First Fortuity Case | Property Insurance Coverage Law Blog

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

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 Ethics of Insurance Company Role-Playing

In many of my speeches this year, I’ve invited audience participation and heard from many former insurance company adjusters and independent adjusters about...

Bad Faith by Delay: What About Timelines and the Duty to Move the Money?

Claim delay causing a tardy payment is not good faith claims handling. Insurance companies must immediately investigate coverage and evaluate damages after learning...

Does California’s New Wildfire Contents Rule Help—or Create New Coverage Gaps?

Recently, California Senate Bill 495, authored by Senator Ben Allen, who represents the Pacific Palisades, was signed into law. This bill changes how wildfire...

Detroit to Pay Nearly $6M in Death Connected to Bus Driver with Many Crashes

The city of Detroit has agreed to pay $5.85 million to settle a lawsuit over...

Has the Insurance Industry Forgotten the Meaning of Its Own Policies?

Christopher Boggs didn’t enter the insurance world because of some great calling. In his own words, “nothing interested me about the insurance business.”...

Fine Print, Grammar, and the Cost of Getting Back to Business: A Lesson from the State Farm Extra Expense Case

In the recent case of Coastal Dust Control, Inc. d/b/a Sanico v. State Farm Fire and Casualty Company, 1 a Mississippi federal court parsed...

How to Use Content Marketing to Grow Your Insurance Agency

Most people don’t buy insurance the first time they land on your website. They research,...

Claim Game Podcast Welcomes Christopher Boggs—Insurance Education’s Relentless Teacher

This Thursday at 6 p.m. EST, the Claim Game Podcast will host one of the most prolific, respected, and credentialed insurance educators in...

Allstate and the Aspen Institute focus on improving trust

WASHINGTON, Oct. 28, 2025 – Today, Allstate and the Aspen Institute launched the Trust in Practice Awards to strengthen community relationships and build trust throughout...

Artificial Intelligence, Insurance, and Accountability

CBS12 News recently aired a troubling report, 1 shared by FAPIA, asking whether artificial intelligence is unfairly denying hurricane insurance claims in Florida....

Allstate issues new guidance to protect shoppers as identity scams surge ahead of the holidays

Key takeaways: October kicks off identity theft season, with the highest volume of fraudulent credit and loan applications all year.  Fraud applications account for nearly 70%...

Florida Judges Struggle with Required Evidence for Property Insurance Damages

Florida’s Second District Court of Appeal did something simple and important in its decision last week in Weston v. Universal. 1 It restored...