Personal Lines Articles
Latest Articles
Claims Practices
Infrared Detection of Water Damage
2018-11-16 | Barry Zalma
Barry Zalma discusses a new tool that can be used by claims investigators, remediators, and consultants to detect and help eliminate mold infestations.
Property Insurance, Time Element
Property Insurance: Coinsurance
2018-11-16 | William K Austin
Coinsurance provisions, prevalent in many policy forms, are often misunderstood. William Austin clears up the misconceptions.
Personal Risk Management
Personal Umbrella Coverage Road Map
2018-11-02 | Kurt Thoennessen
Personal Umbrella Coverage Road Map—Kurt Thoennessen answers basic questions asked about personal risk management and umbrella insurance.
Personal Risk Management
Crafting the Right Coverage for Uber and Lyft Drivers
2018-10-26 | Robin K Olson
Learn how to insure clients who work for ridesharing companies.
Claims Practices
California Case Comes Down Hard on Insurers
2018-10-19 | Barry Zalma
Barry Zalma relates a case finding single acts in violation of the regulations can constitute a business practice.
Time Element
The Essential Equation: A Formula for Determining Business Interruption Loss
2018-09-28 | Daniel Torpey
Daniel Torpey explains that the most fundamental elements in resolving claims are a correct application of the BI formula and the integrity of the calculations behind it. Examples are provided.
Personal Lines Insurance
What Exactly Is Actual Cash Value? Better Yet, How Do You Calculate It?
2018-09-21 | Mike McCracken
Why are there so many problems surrounding the issue of ACV at claim time? Mike McCracken explores the reasons in various jurisdictions.
Personal Risk Management
Renovations Can Cause Homeowners Insurance Coverage Gaps
2018-07-27 | Kurt Thoennessen
Renovations Can Cause Homeowners Insurance Coverage Gaps—Major risks exist when loss strikes a house being remodeled. Kurt Thoennessen explains.
Personal Risk Management
Personal Cyber-Security Planning Guide
2018-04-27 | Kurt Thoennessen
Cyber Security—Not Just for Big Business—Assess your personal risk of cyber crime, and learn some ways to handle it from Kurt Thoennessen.
Claims Practices
Taking Months To Hire a Public Adjuster Is No Excuse for Late Notice
2018-04-13 | Barry Zalma
Being too busy is not a tenable excuse. Barry Zalma relates a California case.
Personal Risk Management
Crafting the Right Coverage for Uber and Lyft Drivers
2018-10-26 | Robin K Olson
Time Element
The Essential Equation: A Formula for Determining Business Interruption Loss
2018-09-28 | Daniel Torpey
Personal Lines Insurance
What Exactly Is Actual Cash Value? Better Yet, How Do You Calculate It?
2018-09-21 | Mike McCracken
Personal Risk Management
Renovations Can Cause Homeowners Insurance Coverage Gaps
2018-07-27 | Kurt Thoennessen
Claims Practices
Taking Months To Hire a Public Adjuster Is No Excuse for Late Notice
2018-04-13 | Barry Zalma
