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Personal Lines Articles


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Personal Lines Claims

Claims: There's an App for That, or Is There?

2012-07-07 | Elise Farnham

Elise Farnham develops ideas for mobile phone applications for insurance claims adjusters.

Time Element

Burden of Proof in Business Interruption Claims

2012-07-01 | Michael Speer

Michael Speer points out the importance of objective, verifiable, and evidentiary support of the claim.(IRMI.com article)

Personal Risk Management

Insuring Liability Risks When Motor Homes or Trailers Are Used as a Secondary Residence

2012-06-01 | Jack Hungelmann

Using your motor home as a second residence? Jack Hungelmann advises buying cheap but effective insurance.

Property Insurance

Does Mold Constitute a Direct Physical Loss under a Property Policy?

2012-06-01 | Jay M Levin

Under a property policy, mold has to cause tangible damage to be covered. Jay Levin warns that courts may interpret this narrowly.

Claims Practices

Appraisal Only Determines Loss

2012-04-01 | Barry Zalma

In a case related by Barry Zalma, the misuse of the appraisal system and the need for competent and experienced claims people are highlighted.

Property Insurance

Additions and Extensions of Property Coverage: Not an Alternative to Exposure Identification

2012-03-01 | William K Austin

William Austin warns against relying on standard policy sections instead of identifying exposures.

Personal Risk Management

Personal Umbrella Insurance 101

2012-02-01 | Jack Hungelmann

Jack Hungelmann answers some basic questions about personal umbrella policies.

Catastrophe Risk Management

Catastrophic Chemical Industry Losses—Structuring Coverage and Maximizing Recovery

2012-01-01 | Christopher M Brophy

Maximizing insurance coverage after a catastrophic loss is especially complex for chemical producers. Chris Brophy elaborates.

Personal Lines Claims

Personal Lines Insurance Is Getting More Personal

2012-01-01 | Elise Farnham

Technological advances, says Elise Farnham, are making the claims process more personal for insureds

Claims Practices

When an Occurrence Is Not an Occurrence: Faulty Construction Is Not an "Occurrence"

2011-12-01 | Barry Zalma

Poor construction is not considered an occurrence under a CGL policy per Kentucky court. (IRMI.com article)