Personal Lines Articles
Latest Articles
Catastrophe Risk Management
FAQs for Surviving Hurricane and Flood Losses
Claims Practices
Mortgagee Has No Right to Insurance Proceeds after Debt Paid
Claims Practices
Building Must Fall To Trigger Collapse Coverage
Claims Practices
Insured's Release of Insurer Defeats Claim of Third Party
Claims Practices
Appreciative Inquiry—A Transformational Change Management Tool
Claims Practices
An Adjuster Is Not a Party to an Insurance Contract
Claims Practices
Investigation of Qui Tam Suit Not Covered by D&O Policy
Claims Practices
The Many "Victims" of "Mostly Peaceful Demonstrations"
Claims Practices
Insurance Fraud by Agent Is Fraud by Insured
Catastrophe Risk Management
Dealing with Winter Storm Damage
Claims Practices
Professional Insurance Adjusting and Insurance Fraud
Claims Practices
Insurer Loses Summary Judgment by Claiming Evidence It Never Had
Claims Practices
Conversion Is an Intentional Tort and Can Never Be an Occurrence
Claims Practices
It's Not Nice To Lie to Your Insurance Company
Personal Risk Management
Home Replacement Cost Valuation Guide
Claims Practices
Failure to Give Notice Defeats Coverage
Personal Risk Management
Second Home Risk Management Strategies
Claims Practices
Insured's Obligation To Read the Insurance Policy
Personal Risk Management
Personal Risk Management and How It Improves Loss Resilience
Catastrophe Risk Management
Ghost Building: What Is It, and How Do You Insure One?
Catastrophe Risk Management
FAQs for Surviving Tornado Losses
Claims Practices
Crazy or Not, the Insured Intended to Kill His Wife
Personal Risk Management
Flood Insurance Road Map and Coverage Guide
Personal Risk Management
Fine Art Risk Management and Insurance Planning Guide
Claims Practices
Subrogation Waiver Held Enforceable by Wisconsin Supreme Court
Catastrophe Risk Management
Natural Catastrophe Management
Claims Practices
Purchasing Higher Deductibles Than Desired Is Not Broker Negligence
Personal Risk Management
Estate Planning Strategies That Cause Major Insurance Coverage Gaps
Personal Risk Management
Wi-Fi Enabled Automatic Water Shutoff Devices Are a Win-Win
Claims Practices
Agent Has No Duty to Advise Insurance Coverage Needs
Catastrophe Risk Management
Implementing Natural Hazard Resilience throughout a Large Organization
Claims Practices
Infrared Detection of Water Damage
Personal Risk Management
Personal Umbrella Coverage Road Map
Personal Risk Management
Crafting the Right Coverage for Uber and Lyft Drivers
Claims Practices
California Case Comes Down Hard on Insurers
Personal Lines Insurance
What Exactly Is Actual Cash Value? Better Yet, How Do You Calculate It?
Personal Risk Management
Renovations Can Cause Homeowners Insurance Coverage Gaps
Personal Risk Management
Personal Cyber-Security Planning Guide
Claims Practices
Taking Months to Hire a Public Adjuster Is No Excuse for Late Notice
Claims Practices
Coconspirator's Civil Testimony Convicts Arsonist
Auto Insurance
Business Auto Policy Covered Auto Designation Symbols
Personal Risk Management
10 Steps to a Well-Designed HO 6 Policy
Catastrophe Risk Management
Multi-Hazard Design to Improve Facility Resilience
Claims Practices
No Insurance Policy Covers Every Possible Eventuality
Claims Practices
Pleading Can't Change a Battery into Negligence
Personal Risk Management
In Praise of Personal Umbrella Policies
Claims Practices
Excess Insurer May Not Refuse Reasonable Settlement
Personal Risk Management
Traversing Your Career Path: Apprentice, Journeyman, or Master
Personal Lines Insurance
The Future of Personal Lines Insurance
Claims Practices
Potential for Insurance Coverage Requires Defense
Personal Risk Management
Uber and Lyft: Insuring the Drivers
Claims Practices
No Bad Faith for Reasonable Dispute
Personal Risk Management
Driver Safety for Meal Delivery Operations
Claims Practices
Prompt Payment of Appraisal Award Defeats Bad Faith
Claims Practices
Agent's Lie to Insurer Voids Policy
Claims Practices
Installation of Defective Product Is Not Physical Damage
Catastrophe Risk Management
Obtaining the Right Builders Risk Insurance Coverage
Personal Risk Management
Insurance Loss Control and the Hippocratic Oath
Claims Practices
Invest in Claims Training: Ignorance Can Be Cured
Claims Practices
Can an Insurer Obtain Insured's Tax Returns?
Claims Practices
Is Pool Pop-Out Excluded?
Claims Practices
Eight-Corners Rule Defeats Right to Defense
Personal Lines Claims
The Claims Professional as Problem Solver
Claims Practices
Texas Court Rules WC Is the Exclusive Remedy in CCIP Claim
Catastrophe Risk Management
Insurance Considerations in Operational Resilience
Claims Practices
Foreclosure Destroys Insurable Interest
Personal Lines Claims
Evaluating Bodily Injury Claims—Back Injuries
Catastrophe Risk Management
Covering Sinkhole Losses
Personal Lines Claims
Evaluating Bodily Injury Claims—The Effects of Traumatic Injuries
Personal Lines Claims
Evaluating Bodily Injury Claims: Consideration Based on the Type of Injury—Fractures
Claims Practices
Insurer's Lawyer's Advice Not Privileged
Personal Lines Claims
Evaluating Bodily Injury Claims: Consideration Based on the Type of Injury—Wounds
Personal Lines Claims
Claims: There's an App for That, or Is There?
Personal Risk Management
Insuring Liability Risks When Motor Homes or Trailers Are Used as a Secondary Residence
Claims Practices
Appraisal Only Determines Loss
Personal Risk Management
Comparing Auto-Owners Stand-Alone versus Fully Supported Personal Umbrella Policies
Personal Risk Management
Personal Umbrella Insurance 101
Catastrophe Risk Management
Catastrophic Chemical Industry Losses—Structuring Coverage and Maximizing Recovery
Personal Lines Claims
Personal Lines Insurance Is Getting More Personal
Personal Lines Claims
Plaintiff Duties in Personal Lines Claims
Catastrophe Risk Management
Building the Right Builders Risk Policy
Claims Practices
Claims-Made Policies—Report Potential Claims Immediately
Personal Lines Claims
Getting to the Bottom Line—Determination of Damages
Personal Risk Management
Personal Risk Management: The Insurance Audit
Personal Risk Management
Homecare Workers: Identifying and Managing Risks
Personal Risk Management
Managing the Risks of Groundwater Damage
Catastrophe Risk Management
Insurance Coverage Considerations for Claims Resulting from the Japanese Earthquake
Claims Practices
Arson Conviction Upheld in Ohio; Texas Lets One Go Free
Personal Lines Claims
Black Swans on the Horizon: Expecting the Unexpected
Personal Risk Management
Collision Damage Waivers When Renting a Vehicle: To Buy or Not To Buy?
Claims Practices
Pleading the Fifth Can Forfeit Insurance Coverage
Personal Lines Claims
The Art and Skill of Analyzing Coverage
Claims Practices
Diminution in Value
Personal Lines Claims
Stress-Free Claims Adjusting
Personal Risk Management
Insuring "Zipcars"
Personal Risk Management
Reducing Umbrella Risks by Having One Agent
Claims Practices
Legitimate Loss becomes a Crime When Insured Lies
Personal Lines Claims
The Art of Strategic Negotiation
Personal Risk Management
Personal Risk Management—An Alternative to Insurance as Usual
Claims Practices
Breach of Contractor's Warranty Defeats Coverage
Personal Lines Claims
"Green" Building Claim Implications
Personal Risk Management
Creating a Personal Umbrella Coverage Checklist
Personal Risk Management
Managing the Risks of a Vacant Home
Personal Risk Management
Health Insurance Advice for the Newly Laid Off
Claims Practices
Attorney Fees for Enforcement of Settlements in Florida
Personal Lines Insurance
The Underwriting Submission—Homeowners Insurance
Claims Practices
Insurance Fraud
Personal Lines Claims
Avoiding Bad Faith Allegations in Excess Loss Situations
Claims Practices
The Examination under Oath
Personal Lines Claims
Personal Lines Property Loss Adjusting—Achieving Excellence
Personal Risk Management
Risk Management for Weddings
Claims Practices
Insurers Need To Audit Their Vendors' Service
Catastrophe Risk Management
Facility Damage Evaluation Following Major Disasters
Claims Practices
Surprise: Insurance Is Not a Service
Personal Risk Management
Choosing the Best Umbrella Policy: Case Study
Personal Lines Insurance
Managing Personal Automobile Insurance Risks Following Death
Claims Practices
Insurer Must Go to Trial on Allegations of a Fraudulent Settlement
Personal Risk Management
Time to Standardize Personal Umbrella Insurance Policies
Claims Practices
Required Insurance Training and Continuing Education
Personal Lines Insurance
Demystifying Auto Rental Insurance
Personal Risk Management
Insurance for the California Wildfires
Claims Practices
Use Licensed Experts in Claims Litigation
Claims Practices
The Lawyer as an Insurance Claims Expert
Catastrophe Risk Management
Defining the Characteristics of a PML Study
Claims Practices
When Agents or Applicants Lie to Insurers
Personal Risk Management
Managing the Risks of a Household Move
Claims Practices
Insurance Fraud Fails in L.A. Superior Court
Claims Practices
Insurer Sues Attorney for Malicious Prosecution
Personal Risk Management
Managing the Townhouse/Condominium Unit Owner Risk
Claims Practices
Sharing of Information between Insurers To Fight Fraud
Personal Lines Insurance
Insuring the Home-Based Business (Part 3)
Personal Lines Insurance
Insuring the Home-Based Business (Part 2)
Personal Lines Insurance
Insuring the Home-Based Business (Part 1)
Claims Practices
New ISO ACV Definition and California Statute
Personal Risk Management
Government Programs for Uninsurable Chronic Medical Conditions
Personal Risk Management
Insurance Products for Uninsurable Chronic Medical Conditions
Personal Risk Management
Identity Theft: a Personal Risk Management Approach (Part 3)
Claims Practices
Claims in a Disaster
Claims Practices
Rescission in California
Personal Risk Management
Identity Theft: A Personal Risk Management Approach (Part 2)
Personal Risk Management
Identity Theft: A Personal Risk Management Approach (Part 1)
Catastrophe Risk Management
The Impact on Lifelines on the Estimation of Natural Hazard Loss
Claims Practices
Insurance and the Law of Unintended Consequences
Personal Risk Management
Plugging Liability Insurance Gaps with the Personal Umbrella Policy
Catastrophe Risk Management
Understanding the Vulnerability of Hospitals to Natural Disasters
Claims Practices
Fraudulent Application Can Haunt the Broker
Auto Risk Management
Senior Drivers and Insurance Concerns
Personal Lines Claims
Adjusting Residential House Fires
Claims Practices
Mold and Fungi Insurance Claims
Claims Practices
Stacking Insurance Limits
Personal Lines Claims
Residential Water Claims
Claims Practices
The Ethical Dilemma Caused by Fighting Fraud
Personal Risk Management
Managing the Nanny Risk
Catastrophe Risk Management
Managing Extreme Wind (Hurricane) Losses
Personal Risk Management
Personal Risk Management: An Overview
Claims Practices
Adjusting Liability Claims
Catastrophe Risk Management
Performance Based Seismic Design
Personal Risk Management
Family Disaster Planning—Ten Key Ingredients
Claims Practices
Why Insurance Fraud Succeeds
Catastrophe Risk Management
Understanding the Language of Seismic Risk Analysis
Catastrophe Risk Management
Quantifying the Risk for Progressive Collapse in New and Existing Buildings
Personal Lines Insurance
Wedding Insurance: a Savvy Purchase?
Catastrophe Risk Management
Earthquake Performance of Nonstructural Components
Catastrophe Risk Management
Optimizing the Management of Natural Disaster Exposure
Catastrophe Risk Management
Managing Earthquake Risk
Personal Lines Insurance
Credit-Based Insurance Scoring: a Simmering Debate
Auto Risk Management
Auto Manufacturer Parts versus After-Market Parts: a Question of Quality
Auto Risk Management