Personal Lines Articles
Latest Articles
Personal Lines Claims
Adjusting Residential House Fires
2004-10-09 | George Epps
Adjusting a house fire is a difficult endeavor under the best of circumstances. George Epps looks at fire claims where the coverage is on an actual cash value basis.
Claims Practices
California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution
2004-09-01 | Barry Zalma
Barry Zalma examines a recent California Supreme Court ruling which concluded that the CGL pollution exclusion does not exclude ordinary acts of negligence involving toxic chemicals.
Claims Practices
Mold and Fungi Insurance Claims
2004-08-01 | Barry Zalma
"Mold is gold," according to some in the claims industry. Barry Zalma looks at the growth of these claims, the science behind them, the case law, testing, and remediation.
Security, Catastrophe Risk Management
Managing Terrorism Risk
2004-07-24 | Nathan C Gould
In this article, Dr. Nathan Gould explains a three-tiered terrorism risk management plan, including initial and detailed assessments and a variety of risk management techniques.
Claims Practices
Stacking Insurance Limits
2004-07-01 | Barry Zalma
Barry Zalma explains why it is essential to examine the law of the jurisdiction relating to stacking of policy limits and self-insured retentions before making a decision on how to handle a claim.
Personal Lines Claims
Residential Water Claims
2004-07-01 | George Epps
George Epps takes a look at residential water claims—what causes them, how repairs are handled, and why restoration contractors are often necessary.
Time Element
Business Interruption for Denial of Access Revisited
2004-05-01 | Douglas Berry
Doug Berry discusses three recent court cases addressing the denial of access due to a civil authority order and the effect of particular policy wording on business interruption coverage.
Claims Practices
The Ethical Dilemma Caused by Fighting Fraud
2004-04-10 | Barry Zalma
Barry Zalma discusses the obligation to and dangers of reporting suspected fraud.
Personal Risk Management
Managing the Nanny Risk
2004-04-01 | Jack Hungelmann
In this personal risk management column, Jack Hungelmann looks at the exposure created by the hiring of a nanny rather than using a nanny service, and offers possible solutions.
Catastrophe Risk Management
Managing Extreme Wind (Hurricane) Losses
2004-03-01 | Nathan C Gould
Dr. Nathan Gould discusses extreme wind hazards, historical loss exposure, and a methodical engineered approach to effectively manage/reduce wind losses.
Claims Practices
California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution
2004-09-01 | Barry Zalma
