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Site title: Insurance & Federal Legislation for Property Owners
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New York is finally headed for some warmer weather after a long, icy winter. Early 2026 brought the city its snowiest season in the last decade, with Central Park recording more than 42 inches of snow. 1 With temperatures remaining consistently below freezing for weeks on end, the snow just kept piling up. As I …
The post
Note: This post is by Chip Merlin and guest blogger Bob Rutter, an Ohio policyholder attorney, co-founder of Rutter & Russin, and nationally recognized leader in insurance coverage law, with 35 years of experience fighting insurance companies on behalf of policyholders. For 25 years, Ohio has had a policyholder-friendly discovery rule in insurance bad faith …
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Here is a question for you. If someone walked up to you on the street and asked, “Is a tornado a windstorm?” What would you say? Most people would not even hesitate. Of course it is. What kind of question is that? That reaction is fair. Honestly, it makes sense to me. A tornado has wind. …
The post
Is your property title in a trust? Many policyholders, their attorneys, and insurance agents fail to recognize the significant implications of failing to properly list the people and entities when insuring properties that involve a trust. Derek Chaiken warned about this issue in “Trust or Family Trust Owns Your Home? Beware of Insurance Complications to Avoid …
...Last week, the Southern District of New York held that a New York choice-of-law provision in a Texas commercial property insurance policy was enforceable, despite the Texas Insurance Code expressly stating that surplus lines insurers cannot contract around Texas’s insurance laws. The decision is technical, but its impact is practical. The state law governing an …
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