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Personal Lines Claims

Evaluating Bodily Injury Claims: Consideration Based on the Type of Injury—Wounds

2013-01-01 | Elise Farnham

Personal injury wounds vary. Elise Farnham discusses what should be considered when evaluating these injuries.

Claims Practices

California Allows Stacking of CGL: a Case of First Impression and Importance

2012-12-01 | Barry Zalma

Barry Zalma relates a California case holding that each insurer must pay its limits for each policy year it had a policy in effect.

Property Insurance

Builders Risk Insurance: Is It Always Necessary?

2012-11-01 | William K Austin

William Austin looks at the need for builders risk insurance.

Time Element

Measuring Business Interruption Exposure: "Business Interruption Values" and "Maximum Probable Loss"

2012-10-01 | Christopher M Brophy

While tedious, determining business interruption values and maximum probable loss is crucial, explains Christopher Brophy.

Personal Lines Claims

Claims: There's an App for That, or Is There?

2012-07-07 | Elise Farnham

Elise Farnham develops ideas for mobile phone applications for insurance claims adjusters.

Time Element

Burden of Proof in Business Interruption Claims

2012-07-01 | Michael Speer

Michael Speer points out the importance of objective, verifiable, and evidentiary support of the claim.(IRMI.com article)

Personal Risk Management

Insuring Liability Risks When Motor Homes or Trailers Are Used as a Secondary Residence

2012-06-01 | Jack Hungelmann

Using your motor home as a second residence? Jack Hungelmann advises buying cheap but effective insurance.

Property Insurance

Does Mold Constitute a Direct Physical Loss under a Property Policy?

2012-06-01 | Jay M Levin

Under a property policy, mold has to cause tangible damage to be covered. Jay Levin warns that courts may interpret this narrowly.

Claims Practices

Appraisal Only Determines Loss

2012-04-01 | Barry Zalma

In a case related by Barry Zalma, the misuse of the appraisal system and the need for competent and experienced claims people are highlighted.

Property Insurance

Additions and Extensions of Property Coverage: Not an Alternative to Exposure Identification

2012-03-01 | William K Austin

William Austin warns against relying on standard policy sections instead of identifying exposures.