Topic
Property Damage
413 published works
Agricultural Law and Taxation Blog
2023 in Review – Ag Law and Tax
OverviewAs 2024 begins, it’s good to look back at the most important developments in agricultural law and tax from 2023. Looking at things in retrospect provides a reminder of the…
Insurance Law Hawaii
Governmental Action Exclusion Bars Claim for Damage to Insured’s Building
The lower court's decision finding no coverage based upon the governmental action exclusion was affirmed by the Appellate Court of Illinois. McCann Plumbing, Heating & Cooling v. Pekin…
Property Insurance Coverage Law Blog
Should Depreciation Be Taken on Partial Losses When Determining Actual Cash Value?
By Chip Merlin
The term “actual cash value” is a nebulous term. There are many disagreements about what it means. I suggest that is why many states follow the “broad evidence rule,” which…
Insurance Law Hawaii
Motion for Reconsideration Challenging Appraisal Determining Cause of Loss Denied
The court rejected the insurer's motion for reconsideration attempting to set aside the appraisal award that determined the cause of loss. Mesco Mfg., LLC v. Motorists Mut. Ins. Co.,…
Zalma on Insurance
Claims in Catastrophe
By Barry Zalma
What to do When Your Property is Damaged in a Catastrophe If your house was damaged or destroyed by a wildfire, windstorm, hurricane, tornado or flood as a result of…
Insurance Law Hawaii
Wisconsin Supreme Court Abandons “Integrated Systems Analysis” for Determining Property Damage
The Wisconsin Supreme Court departed from its previous mechanism for determining property damage under the "integrated systems analysis" and found the insurers were not entitled to summary judgment…
Policyholder Pulse
Taking the Market’s Temperature on Coverage for Climate Change-Related Property Damage
By Janine Stanisz, William E. McMichael
Temperatures in Arizona this week reached over 110 degrees Fahrenheit. The water temperature in the Florida Keys was reported to reach sauna-like levels, threatening the life of habitat-sustaining coral. Atmospheric…
Property Insurance Coverage Law Blog
Utah Appraisal Law—The Best Place to Start Is at the Beginning
By Chip Merlin
The Insurance Appraisal and Umpire Association (IAUA) held its first-ever meeting in Utah yesterday, as noted in Chip Merlin In BadgerLand. Utah was admitted as a state on January 4, 1896. Five…
Property Insurance Coverage Law Blog
How Do You Treat Two Occurrences? Louisiana Does It Differently With Its Own Rule
By Chip Merlin
How do property insurance adjusters typically treat this scenario? “A tornado severely damages a structure, and then three days later, a second tornado further damages the structure. Nobody fully measured…
Property Insurance Coverage Law Blog
Is Appraisal Limited to a Dispute About the Value of Agreed Damage? What Is the Rule In Alabama?
By Chip Merlin
Bob Norton of the Insurance Appraisal and Umpire Association (IAUA) loves to play with the audience with the types of questions found in the title of this post. Bob will…