Personal Lines Articles
Latest Articles
Claims Practices
Building Must Fall to Trigger Collapse Coverage
2023-01-04 | Barry Zalma
Where policy requires an abrupt collapse, the court rules no coverage for a still-standing building. Barry Zalma explains.
Claims Practices
Insured's Release of Insurer Defeats Claim of Third Party
2022-08-05 | Barry Zalma
An assignment of claim against insurers after insureds sign a release is worthless. Barry Zalma relates the case.
Property Insurance
Responding to the Current Underinsurance Problem
2022-07-15 | Linda G Robinson
Have you overlooked the effect of recent economic problems on your insurable values and property insurance limits? IRMI offers guidance.
Claims Practices
Appreciative Inquiry—A Transformational Change Management Tool
2022-05-12 | Peter G Furst
Peter Furst explains this tool for improving business outcomes by focusing on the potential for future enhancements.
Claims Practices
An Adjuster Is Not a Party to an Insurance Contract
2022-04-08 | Barry Zalma
The Colorado Supreme Court makes it clear that an adjuster may not be sued for the tort of bad faith. Barry Zalma relates the case.
Claims Practices
Malpractice Insurance Policy Rescinded When Lawyer Lies on Application
2022-01-13 | Barry Zalma
Barry Zalma relates a recent Utah case involving a lawyer's dishonesty on an insurance application.
Claims Practices
Investigation of Qui Tam Suit Not Covered by D&O Policy
2021-11-15 | Barry Zalma
Barry Zalma relates a case finding no coverage for a qui tam suit filed before the inception of the policy.
Time Element
Quantum of Loss: Understanding Bias in Business Interruption Claims
2021-08-18 | Daniel Torpey
All parties in the claims process may be subject to potential bias. Daniel Torpey examines how to deal with that bias to effectively settle the claim.
Claims Practices
The Many "Victims" of "Mostly Peaceful Demonstrations"
2021-07-02 | Barry Zalma
Barry Zalma takes issue with calling the 2019–2020 riots "victimless" and looks at those impacted.
Claims Practices
Insurance Fraud by Agent Is Fraud by Insured
2021-04-23 | Barry Zalma
A false home loss estimate by a "consultant" that is adopted by an insured is fraud. Barry Zalma relates the case.
Claims Practices
Appreciative Inquiry—A Transformational Change Management Tool
2022-05-12 | Peter G Furst
Claims Practices
Malpractice Insurance Policy Rescinded When Lawyer Lies on Application
2022-01-13 | Barry Zalma
Time Element
Quantum of Loss: Understanding Bias in Business Interruption Claims
2021-08-18 | Daniel Torpey
