Personal Lines Articles
Latest Articles
Claims Practices
California Court Rules "Sudden" Is the Opposite of "Gradual"
2026-01-30 | Barry Zalma
Barry Zalma relates a case where the court refused to allow extrinsic evidence to interpret the word "sudden" in qualified pollution exclusions as including gradual but unexpected pollution.
Catastrophe Risk Management
Dealing with Winter Storm Damage
2026-01-26 | Robin K Olson
In light of the devastating winter storms that hit the US in late January 2026, IRMI is providing advice on what damage is covered and tips on filing insurance claims.
Catastrophe Risk Management
Risk Scoring and Mapping Are Reshaping Property Insurance
2025-11-21 | John Putnam
John Putnam takes a deeper look at past personal property insurance underwriting practices and evolving rating tools from an insurance agent's perspective.
Claims Practices
Intentional Injury Not Dischargeable in Bankruptcy
2025-10-28 | Barry Zalma
Bankruptcy is not available to protect a person from their intentional and willful acts. Barry Zalma relates a recent case on the issue.
Property Insurance
Implications of Recent Legislation on Property Insurance for Construction
2025-09-12 | Kurt Huie
To safeguard proper risk management, project managers, insurance brokers, and other stakeholders need to be educated on the evolving landscape. Kurt Huie explains.
Catastrophe Risk Management
Wildfire Has Evolved from Natural Hazard to Systemic Threat
2025-08-29 | John Putnam
John Putnam looks at the wildfire peril that confronts us and discusses the many causal factors that make easy solutions difficult.
Businessowners Policies (BOP)
Major Changes to the 2025 ISO Businessowners Program
2025-08-29 | Edgar Martinez
The Insurance Services Office, Inc. (ISO), businessowners program has undergone significant changes, including a revised coverage form, new and updated endorsements, and changes to business classifications.
Claims Practices
Failure to Read Policy Proves Fatal to Claim
2025-07-15 | Barry Zalma
The Georgia Court of Appeals holds that ignorance of underinsured motorist coverage for a pedestrian hit by a car is inexcusable. Barry Zalma relates the case.
Catastrophe Risk Management
Additional Living Expenses: A Critical Recovery Tool After Disasters
2025-05-30 | John Putnam
This coverage is very much needed and often misunderstood. John Putnam explains the basics, limits, duration, benefits, and application.
Claims Practices
Lawyer Convicted of Workers Compensation Fraud
2025-04-25 | Barry Zalma
Barry Zalma relates a California case where a jury convicted the plaintiff of 37 felony counts of fraud, but, on appeal, his conviction was partially reversed to the Williamson rule.
Claims Practices
California Court Rules "Sudden" Is the Opposite of "Gradual"
2026-01-30 | Barry Zalma
Catastrophe Risk Management
Risk Scoring and Mapping Are Reshaping Property Insurance
2025-11-21 | John Putnam
Property Insurance
Implications of Recent Legislation on Property Insurance for Construction
2025-09-12 | Kurt Huie
Catastrophe Risk Management
Wildfire Has Evolved from Natural Hazard to Systemic Threat
2025-08-29 | John Putnam
Businessowners Policies (BOP)
Major Changes to the 2025 ISO Businessowners Program
2025-08-29 | Edgar Martinez
Catastrophe Risk Management
Additional Living Expenses: A Critical Recovery Tool After Disasters
2025-05-30 | John Putnam
