Personal Lines Articles

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Claims Practices

Professional Insurance Adjusting and Insurance Fraud

2021-02-05 | Barry Zalma

Professional Insurance Adjusting and Insurance Fraud—Barry Zalma looks at the role of the claims adjuster and offers a suggestion for fighting fraud.

Claims Practices

Insurer Loses Summary Judgment by Claiming Evidence It Never Had

2020-11-13 | Barry Zalma

Insurer Loses Summary Judgment by Claiming Evidence It Never Had—Barry Zalma relates a case where the insurer failed to prove all elements of the motion.

Claims Practices

Conversion Is an Intentional Tort and Can Never Be an Occurrence

2020-10-16 | Barry Zalma

Conversion Is an Intentional Tort and Can Never Be an Occurrence—There's no duty to defend if there is no occurrence. Barry Zalma relates a case alleging theft.

Claims Practices

It's Not Nice To Lie to Your Insurance Company

2020-08-07 | Barry Zalma

It's Not Nice To Lie to Your Insurance Company—Barry Zalma relates a case where fraudulently obtained no-fault insurance was subject to rescission.

Personal Risk Management

Home Replacement Cost Valuation Guide

2020-07-10 | Kurt Thoennessen

Home Replacement Cost Valuation Guide—How can home owners determine their home's value? Kurt Thoennessen provides tips.

Property Insurance

Commercial Property Policies Generally Cover Loss Due to Riots

2020-07-03 | Linda G Robinson

First pandemic, now riots! Is your business covered under its commercial property policy? How is the loss calculated? IRMI provides insight.

Claims Practices

Failure to Give Notice Defeats Coverage

2020-04-17 | Barry Zalma

Failure To Give Notice Defeats Coverage—Judgment creditor who did not comply with policy condition had no coverage. Barry Zalma relates the case.

Property Insurance

COVID-19—When Civil Authorities Take over, Are You Covered?

2020-03-27 | Douglas Berry

When civil authorities take over, does your insurance apply? Doug Berry looks at this crucial question.

Time Element Commercial Property Topics

Coronavirus (COVID-19) Business Income Losses—Are They Covered?

2020-03-20 | Linda G Robinson

Are business income losses related to COVID-19 covered by a commercial property policy? The direct physical loss or damage requirement and virus exclusion argue against coverage.