Personal Lines Articles
Latest Articles
Catastrophe Risk Management
Understanding the Resilience and Recovery of Wildfire Survivors
2025-04-04 | John Putnam
Focusing on policyholders' complex and changing behavioral health needs following a major disaster is key. John Putnam looks at ways to accomplish this.
Property Insurance
Location Can Impact Insurable Property Values
2025-02-28 | Kurt Huie
It is vital for insurance providers and property owners to understand the impact location has on loss prevention and replacement costs.
Catastrophe Risk Management
Los Angeles Wildfires: A Debris Removal Megaproject
2025-02-07 | John Putnam
After recently writing about debris removal, John Putnam continues the conversation considering the recent LA wildfires and what insurance and risk management challenges they present.
Catastrophe Risk Management
Wildfire Recovery: The Critical Role of Debris Removal Coverage
2025-02-06 | John Putnam
Very few people consider this insurance until the event happens. Using real-life examples, John Putnam reviews what's covered and what isn't and offers solutions.
Claims Practices
How and Why California Killed Third-Party Bad Faith
2025-01-31 | Barry Zalma
Barry Zalma discusses the reversal of the 1979 "Royal Globe" case in 1988 by the California Supreme Court and its ramifications.
Catastrophe Risk Management
FAQs for Surviving Wildfire Losses—Los Angeles County 2025
2025-01-22 | Robin K Olson
IRMI offers information about dealing with wildfire insurance claims in Los Angeles County, California.
Catastrophe Risk Management
Wildfire Smoke Claims: A Hidden Postwildfire Catastrophe
2024-11-22 | John Putnam
Smoke claims are as varied as the fires that cause them. John Putnam examines the characteristics, psychological dimensions, remediation issues, and dispute resolution challenges.
Claims Practices
Lying on an Application about Primary Residence Is Grounds for Rescission
2024-10-18 | Barry Zalma
Barry Zalma relates a recent case showing that an insured's intentional misrepresentation can result in no homeowners insurance coverage.
Catastrophe Risk Management
FAQs for Surviving Hurricanes Helene and Milton
2024-10-11 | Robin K Olson
IRMI offers assistance in the form of informative tips for dealing with insurance claims related to Hurricanes Helene and Milton.
Auto Risk Management
Inherent Diminished Value Claims for Personal Autos
2024-09-30 | Robin K Olson
Is perceptual or psychological diminished value—the perceptual loss of vehicle market value due to an accident—covered under the personal auto policy? This article examines the debate, relevant case law, and ISO's response.
Catastrophe Risk Management
Understanding the Resilience and Recovery of Wildfire Survivors
2025-04-04 | John Putnam
Catastrophe Risk Management
Los Angeles Wildfires: A Debris Removal Megaproject
2025-02-07 | John Putnam
Catastrophe Risk Management
Wildfire Recovery: The Critical Role of Debris Removal Coverage
2025-02-06 | John Putnam
Catastrophe Risk Management
FAQs for Surviving Wildfire Losses—Los Angeles County 2025
2025-01-22 | Robin K Olson
Catastrophe Risk Management
Wildfire Smoke Claims: A Hidden Postwildfire Catastrophe
2024-11-22 | John Putnam
Claims Practices
Lying on an Application about Primary Residence Is Grounds for Rescission
2024-10-18 | Barry Zalma
Catastrophe Risk Management
FAQs for Surviving Hurricanes Helene and Milton
2024-10-11 | Robin K Olson
