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Catastrophe Risk Management

Wildfire Smoke Claims: A Hidden Postwildfire Catastrophe

2024-11-22 | John Putnam

Smoke claims are as varied as the fires that cause them. John Putnam examines the characteristics, psychological dimensions, remediation issues, and dispute resolution challenges.

Claims Practices

Lying on an Application about Primary Residence Is Grounds for Rescission

2024-10-18 | Barry Zalma

Barry Zalma relates a recent case showing that an insured's intentional misrepresentation can result in no homeowners insurance coverage.

Catastrophe Risk Management

FAQs for Surviving Hurricanes Helene and Milton

2024-10-11 | Robin K Olson

IRMI offers assistance in the form of informative tips for dealing with insurance claims related to Hurricanes Helene and Milton.

Auto Risk Management

Senior Drivers and Insurance Concerns

2024-09-30 | Robin K Olson

As baby boomers age, the number of senior drivers increases. Rob Olson discusses the importance of finding ways now to reduce the frequency and severity of automobile accidents involving elderly drivers.

Auto Risk Management

Auto Manufacturer Parts versus Aftermarket Parts: A Question of Quality

2024-09-30 | Robin K Olson

Many insurers and industry groups believe non-original equipment manufacturer (OEM) or aftermarket parts are the same quality as OEM parts, but are they truly of like kind and quality? This article examines the debate.

Auto Risk Management

Inherent Diminished Value Claims for Personal Autos

2024-09-30 | Robin K Olson

Is perceptual or psychological diminished value—the perceptual loss of vehicle market value due to an accident—covered under the personal auto policy? This article examines the debate, relevant case law, and ISO's response.

Catastrophe Risk Management

FAQs for Surviving Tornado Losses

2024-09-30 | Robin K Olson

IRMI offers information about dealing with tornado insurance claims.

Personal Lines Insurance

Insuring the Home-Based Business (Part 1)

2024-09-30 | Robin K Olson

In this first of three articles, Rob Olson looks at current statistics and homeowners policy restrictions.

Personal Lines Insurance

Insuring the Home-Based Business (Part 3)

2024-09-30 | Robin K Olson

In Part 3 of this series, Rob Olson looks at the proper endorsements and policies needed to adequately protect home-based businesses.

Personal Lines Insurance

Insuring the Home-Based Business (Part 2)

2024-09-30 | Robin K Olson

In this second of three articles, Rob Olson looks at court cases involving homeowners policy restrictions and what constitutes a "business."

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