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Cozen O'Connor's Property Insurance Law Observer

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Cozen O'Connor's Property Insurance Law Observer title: Cozen O'Connor's Property Insurance Law Observer | Covering state and federal first-party property insurance decisions, laws, regulations, and developments effecting the insurance industry.

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Florida’s Fourth District Court of Appeal recently clarified the enforceability of the “residence-premises” requirement in homeowners’ insurance policies. In Universal Property & Casualty Insurance Company v. Boniface Jean, the appellate court reversed a jury verdict in favor of the homeowner, holding that coverage cannot be created by waiver when the insured doe...

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In Cannon Falls Area Schools v. Hanover American Insurance Company (2025 WL 2976533 (D. Minn. 2025)), the United States District Court for the District of Minnesota held that a property insurer properly denied coverage pursuant to a cosmetic damage exclusion because hail indentations to roofs affected only their appearance, not their ability to function as barriers a...

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