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Property Insurance Coverage Law Blog

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A fire struck the only home owned by the Pour family in Minnesota, but the true devastation came later in the claims process when Liberty Mutual denied coverage for the dwelling, the sons’ personal property, and alternative living expenses. On appeal, both sides brought forceful arguments. The decision that followed is a reminder that homeowners …

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Wildfires are no longer rare, seasonal events. They are a year-round threat reshaping communities from California to Colorado, and everywhere the urban areas and development push up against nature. The “hot off the press: Construction Specifier’s December 2025 article, Enhancing Community Safety: Effective Wildfire Mitigation and Building Practices, by Tony Crimi and Antoine ...

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After representing insurance companies for several years, I left to start a policyholder practice in 1985. By the early 1990s, my personal sense was that policyholder protections in the law and in the contract were starting to diminish. The concurrent causation policy language established in the 1990s, the insurance company mantra about “having a right …

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Insurance disputes involving interior water damage caused by rain entering from the exterior of the building often turn on a deceptively simple question: Did wind or other covered peril create an opening that allowed the rain to enter? A recent California appellate decision offers a hard lesson about what happens when that question is not …

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Insurers love to invoke the phrase “the regulator approved this language” as though it were a magical incantation that transforms every policy term into a fair, reasonable, and democratically blessed command. It is a familiar refrain in insurance coverage disputes, especially when an exclusion or limitation leads to an outcome that would make any reasonable …

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