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Claims Practices

Pollution Exclusion Deters Corporations from Polluting

2024-03-29 | Barry Zalma

Barry Zalma relates a case where the insureds' dumping toxins into the city's sewer system clearly fell within the policy's pollution exclusion.

Businessowners Policies (BOP)

What Is a Micro-Business and How Can You Insure It with a Micro-BOP?

2024-03-08 | Edgar Martinez

Micro-businesses often do not have adequate insurance for their needs. In this Expert Commentary by Edgar Martinez, IRMI provides helpful information on micro-businessowners policies (micro-BOPs).

Catastrophe Risk Management

FAQs for Surviving Wildfire Losses—Texas 2024

2024-03-05 | Robin K Olson

IRMI offers information about dealing with wildfire insurance claims.

Catastrophe Risk Management

Homeowners Law and Ordinance Coverage Challenges

2024-02-09 | John Putnam

John E. Putnam shares his experience from three Colorado wildfires.

Claims Practices

Court Must Agree When Parties Agree to Appraisal

2024-01-19 | Barry Zalma

Barry Zalma relates a case involving appraisal of damages caused by Hurricane Ian.

Property Insurance

Insurable Interests and Interests Insured in Property Insurance

2023-12-12 | William K Austin

William Austin uses a matrix approach to exposure identification for commercial property insurance.

Claims Practices

Insurer Has No Duty To Accept Absurd Settlement Offer

2023-10-12 | Barry Zalma

Barry Zalma relates a recent case where the insurer was under no legal duty to its insured to accept more than five times the policy limit.

Catastrophe Risk Management

FAQs for Surviving Wildfire Losses

2023-08-18 | Robin K Olson

IRMI offers information about dealing with wildfire insurance claims.

Claims Practices

Notice-Prejudice Rule Doesn't Apply to Claims-Made-and-Reported Policy

2023-07-21 | Barry Zalma

Barry Zalma relates a recent Kentucky Supreme Court case.

Claims Practices

Mortgagee Has No Right to Insurance Proceeds after Debt Paid

2023-05-12 | Barry Zalma

Barry Zalma relates a case holding that satisfaction of a mortgage eliminates the right of the mortgagee to recover from a homeowners policy.

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