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A few weeks ago, I wrote California Is About to Change the Rules for Wildfire Smoke Claims. California has officially enacted the nation’s first comprehensive statutory framework for determining whether homes with wildfire smoke damage are safe and how insurers must handle covered claims involving those homes. The news
If State Farm hoped Oklahoma Attorney General Gentner Drummond’s lawsuit would disappear before anybody started digging much deeper into the allegations, that did not happen Monday. Cleveland County District Judge Jeff Virgin denied State Farm’s motion to dismiss the Attorney General’s case, State of Oklahoma ex rel. D
Florida insurance regulation occasionally produces a story that sounds like it was written for a “Florida Man” contest. The state hires an experienced insurance financial examiner to study money moving between property insurers and affiliated companies. She delivers a 159-page report. Years later, the current Insurance
As ocean temperatures in the eastern Pacific are expected to rise, scientists predict this could become the strongest El Niño on record. On September 21, 2026, California Governor Gavin Newsom declared a state of emergency. What is El Niño, and how can homeowners prepare for a wet winter? El Niño is a recurring climate
As the second anniversary of the Palisades and Eaton Fires approaches, January 7, 2027, is appearing in homeowner presentations, online posts, and private consultations as the deadline to sue a property insurer. I understand why lawyers calendar that date. I do too. It is easy to remember, prudent to flag, and dangerou
For many wildfire claims, the two-year anniversary starts the extension analysis rather than ending coverage Many Palisades and Eaton fire survivors are being told, or fear, that additional living expense coverage will end on January 7, 2027, exactly two years after the fires. That date matters. It is not an automatic
I have written several times about the number of Palisades and Eaton fire homes that remain untouched more than a year after the fires. Many of these homes are still full of contents, remediation has never really begun, and the homeowners remain displaced while their Additional Living Expense coverage continues to run.
Two businesses can suffer comparable hurricane damage and face very different recovery paths. One can retrieve its insurance policy, sales history, payroll records, inventory, photographs, and vendor contacts even though its building is inaccessible. The other must reconstruct the same information from bank statements,
I previously wrote about Florida’s secrecy surrounding insurer-affiliate information and questioned why so much information affecting policyholders can disappear behind claims of trade secret and confidentiality in Who Is Florida’s Senate Protecting? Following the Money, Lobbyists and Votes Behind Insurance Secrecy. Th
Note: This guest post is by Lewis O’Leary, who has served as both a forensic investigator and restoration contractor since Hurricane Camille (1969). He has a degree in the fields of Mechanical Engineering and Architecture, is a “Building Envelope Consultant, Level 2, licensed by the Building Envelope Science Institute,
Over the past few weeks, I have received a surprising number of calls from Palisades and Eaton wildfire victims who have been told they need to file a lawsuit before January 7, 2027. When I ask where they got that date, I keep hearing some version of the same answer: an out-of-state attorney trying to … The post Do Pal
Cosmetic damage exclusions are showing up more often in property insurance policies, particularly in hail country. They sound innocent enough. After all, if hail merely makes a piece of metal a little less pretty while everything still works perfectly, many policyholders might understand why an insurer would want to li
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