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Property Insurance Coverage Law Blog

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The Arizona Beverages v. Hanover dispute is one of those cases that looks narrow at first glance but is important for anyone involved in property insurance claims. What began as a disagreement over audit costs following a computer system failure ultimately produced a pair of decisions that clarify how restoration periods should be analyzed in …

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Cyber insurance was originally marketed as a technical product. If the servers went down, the policy would help pay to get them back up. If data was stolen, the policy would help with notification and forensic costs. What the insurance industry did not fully anticipate is that for many businesses, especially professional service firms, the …

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Florida courts continue to wrestle with a deceptively simple question: What happens to replacement cost coverage when an insurer denies a claim outright and forces the policyholder into court? The Sixth District Court of Appeal’s decision yesterday in Universal Property & Casualty Insurance Company v. Rodriguez, 1 answers that question clearly and, in my view, …

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Smoke damage claims are never really about smoke. They are about trust, proof, judgment, and whether insurance will honor its promise when loss does not arrive in neat, charred packages. A New York case decided nearly two decades ago, Positive Influence Fashions, Inc. v. Seneca Insurance Company, reads today like it was written as a …

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If you want to understand how insurance laws really get made, Oklahoma just handed the rest of the country a case study. Earlier this month, Oklahoma Watch published a piece asking a question that should make every policyholder uneasy: “Is State Farm writing Oklahoma insurance law?” 1 That question was not rhetorical. It arose after …

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