Topic
Property Insurance
385 published works
Zalma on Insurance
The Mortgage Clause in a Property Policy
By Barry Zalma
Dealing with a Mortgagee when faced with a Fire Loss If you are not a subscriber you will read from this blog until you reach the end of this blog…
Property Insurance Law Observer
When the Ground Gives Way, So Does Coverage: New York Applies Earth Movement Exclusion to Adjacent Construction
By Joshua Tumen
Major construction on a crowded urban lot almost inevitably causes issues with adjoining property owners. A recent New York decision confirms that when the earth moves, earth movement exclusions may…
InsureReinsure
Massachusetts Prohibits Insurer Restrictions on Public Adjuster Retention
On August 7, 2026, Governor Maura Healey signed into law Chapter 187 of the Acts of 2026 (the Act), formerly Senate Bill No. 785, titled "An Act Relative to Insurance…
InsureReinsure
Hawaii Insurance Division Reclassifies Pet Insurance as Property Insurance
By Alan Levin, John Emmanuel, Matt Cossu, Matthew Pasko*
On July 17, 2026, the State of Hawaii Department of Commerce and Consumer Affairs Insurance Division issued Memorandum 2026-5PC (the Memorandum) titled "Hawaii Pet Insurance" to "All Insurers Issuing Pet Insurance…
Property Insurance Law Observer
Court Bars Coverage for Late Notice and Pre-Notice Repairs
By Lmccarthy
In Global Approach, Inc. v. Scottsdale Insurance Co., 2026 WL 1513430 (S.D. Fla. June 1, 2026), the United States District Court for the Southern District of Florida granted summary judgment…
Florida Construction Legal Updates
PRESUMPTION OF PREJUDICE APPLIES TO ALL AFFIRMATIVE DEFENSES REGARDING INSURED’S FAILURE TO COMPLY WITH POST-LOSS POLICY CONDITIONS
In a recent property insurance coverage dispute, an issue on appeal pertained to the “prejudice” jury instruction associated with the insured’s failure to comply with post-loss policy conditions. The trial…
Florida Condo & HOA Law Blog
Understanding Insurance Obligations for Florida Homeowners’ Associations
By Joseph Adams
Q: I own a home in an association and there have been ongoing discussions regarding what type of insurance our homeowners’ association must carry. Our homes are townhouse style with…
Insurance Recovery and the Law
Tips for Managing Large Property Insurance Claims
When natural disaster strikes, the insurance claims process can feel overwhelming. Here are the key steps every business should follow. Know Your Coverage Before filing anything, review your policy carefully.…
Insurance Law Hawaii
Insurer Granted Summary Judgment on Claim for Roof Damage Caused by Windstorm
The insurer successfully moved for summary judgment, eliminating the insured's claim for roof damage due to windstorm. Mulas v. Westchester Surplus Lines Ins. Co., 2026 U.S. Dist. LEXIS 20537 (Jan.…
Florida Condo & HOA Law Blog
Important Differences Between Flood and Windstorm Insurance. Is Your Association Adequately Protected When the Next Major Storm Hits?
Boards of Directors of community associations have a fiduciary duty to its members, and one of the Board’s duties is the protection of the association’s physical assets. In Florida, the…