Personal Lines Articles
Latest Articles
Claims Practices
California Allows Stacking of CGL: a Case of First Impression and Importance
2012-12-01 | Barry Zalma
Barry Zalma relates a California case holding that each insurer must pay its limits for each policy year it had a policy in effect.
Property Insurance
Builders Risk Insurance: Is It Always Necessary?
2012-11-01 | William K Austin
William Austin looks at the need for builders risk insurance.
Time Element
Measuring Business Interruption Exposure: "Business Interruption Values" and "Maximum Probable Loss"
2012-10-01 | Christopher M Brophy
While tedious, determining business interruption values and maximum probable loss is crucial, explains Christopher Brophy.
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.
Claims Practices
California Allows Stacking of CGL: a Case of First Impression and Importance
2012-12-01 | Barry Zalma
Time Element
Measuring Business Interruption Exposure: "Business Interruption Values" and "Maximum Probable Loss"
2012-10-01 | Christopher M Brophy
Personal Risk Management
Insuring Liability Risks When Motor Homes or Trailers Are Used as a Secondary Residence
2012-06-01 | Jack Hungelmann
Property Insurance
Does Mold Constitute a Direct Physical Loss under a Property Policy?
2012-06-01 | Jay M Levin
Property Insurance
Additions and Extensions of Property Coverage: Not an Alternative to Exposure Identification
2012-03-01 | William K Austin
