Property Insurance Coverage Law Blog

Cyber criminals do not need a gun, a mask, or a getaway car. They need a password, a believable message, and a business that trusts what appears on its own computer screen. This is what happened in Office of the Special Deputy Receiver v. Hartford Fire Insurance Company. 1 This is a cyber insurance decision …

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Public adjusting is under attack again. This is one of my strongest perceptions coming away from the NAPIA Annual Meeting. The attack is not new. Those of us who have been around long enough have seen this movie before. After Hurricane Andrew in 1992, there were efforts in Florida to restrict or even eliminate public …

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Cyber criminals do not need a crowbar, a ski mask, or a getaway car. They need a believable email, a rushed employee, and a business that trusts a payment instruction without independently verifying it. That was one painful lesson in Perry & Perry Builders, Inc. v. Cowbell Cyber, Inc. and Obsidian Specialty Insurance Company. 1 The …

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I hear from State Farm fire victims almost every day. The complaints are usually not complicated. They paid premiums for years. Their homes were damaged or destroyed. They submitted claims. And months later, they are still waiting for answers, payments, estimates, testing decisions, or basic claim direction. Merlin Law Group previously wrote about the California …

I was listening to the debate between Steve Badger and René Sigman at the NAPIA annual meeting in Dallas yesterday when Badger mentioned the new AI Bulletin from the Texas Department of Insurance. That caught my attention. Any time an insurance regulator uses the words “artificial intelligence” and “claims” in the same breath, claims professionals …

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