Property Insurance Coverage Law Blog

Washington told claims departments that efficiency is not a substitute for investigation, software is not an explanation, and policyholders should not need a lawsuit to discover what is in their claim files. The Washington Office of the Insurance Commissioner adopted substantial amendments to its unfair claims settlement practices regulation. They take effect on October 18, 2...

A fire at a Key West resort recently produced an important lesson about civil authority coverage, scheduled properties, and how the definition of “described premises” can make hundreds of thousands of dollars in business income coverage disappear. Rockwell Property operated the Equator Resort across five separately scheduled buildings. On February 26, 2022, a fire damaged …

An insurance policy short enough to read before the coffee gets cold sounds nearly miraculous. Berkshire Hathaway says it has accomplished that feat with THREE, a small-business policy built around a three-page coverage form. Veteran insurance professional Larry Seal brought this policy to my attention. Larry has decades of experience in commercial underwriting, loss control,...

State Farm’s own company overview says its values include “selling and keeping promises” and that its customers’ needs will determine its path. That sounds wonderful. The fine print apparently fails to warn that State Farm customers should not ask to see the claims handling roadmaps. State Farm is currently fighting discovery battles in many states, …

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Yesterday, I wrote about why artificial intelligence in the legal profession still requires human judgment in AI Makes Good Lawyers Better and Bad Work Faster. My take was that AI can make good lawyers better, but it can also help lawyers produce bad work much faster. I maintained that lawyers should use the machine aggressively, trust it …

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