The best way to tell that the California homeowners insurance market has been a bear is to see where buyers facing higher rates and lack of options in traditional markets are going for alternatives. One choice is the surplus lines […]
Tag: Coverage
Rising False Advertising Claims Reveal Likely Coverage Gap
The steady rise in false advertising claims against consumer-facing companies has exposed a likely insurance protection gap. The drivers of these legal actions are many and varied and include consumers’ growing—and regularly-shifting—health preoccupations; sustainability concerns; patriotic consumerism; and even plain […]
Code Upgrade Insurance Coverage | Property Insurance Coverage Law Blog
In the wake of property damage, whether caused by wind, fire, or storm, policyholders rightly expect their insurance to cover the cost of restoring their home or business to its proper condition. For many, that includes paying extra premiums for […]
What is The Difference Between Blanket and Scheduled Limit Insurance?
A recent Pennsylvania ruling offers an instructive look at the difference between blanket and scheduled insurance coverage and what policyholders must do to ensure they get the coverage they think they are buying. The case, Beazley Underwriting, Ltd. v. Max & […]
Mark Boardman Passes | Property Insurance Coverage Law Blog
I was celebrating a win over a crazy case at a Florida Association of Public Insurance Adjusters (FAPIA) meeting in the late 1990s. My client’s soon-to-be ex-husband, who was not on the title to the property, appeared to have burned […]
When the Named Insured Dies: A Hard Lesson on Coverage, Legal Standing, and Policy Renewal
A recent Oregon federal case warns policyholders and their families that when it comes to insurance, the fine print rules the day. This is especially true when the named insured passes away. In Stein v. Foremost Insurance Company, 1 the […]
Appraisal vs Coverage Dispute| Property Insurance Coverage Law Blog
Appraisals serve as a valuable mechanism for resolving disagreements over the amount of loss. However, as recently illustrated in the Texas case of Rocha v. State Farm Lloyds, 1 appraisals do not resolve all questions. Specifically, they do not determine […]