Civil Authority and Ingress/Egress Coverage Bibliography
Robert M. Horkovich, et al., Insurance Coverage for Businesses Affected by Civil Unrest. Risk Management (June 15, 2020).
Shannon O’Malley. Commercial Property Insurance Coverage and Coronavirus. Zelle LLP (Mar. 11, 2020).
Jonathan McBride. Civil Authority Coverage For Coronavirus Claims. Zelle LLP (Mar. 20, 2020).
Douglas Berry.
The questions have been pouring in about various immediate losses all over the country. They typically start like this:
“Chip, what are you guys doing about [fill in the blank] claims in [fill in the state]?”
Continue Reading Chip @2 on Friday—Business Interruption Lawsuit Update, Louisiana Hurricane Issues, Derecho Losses, and Smoke on the Water and in the Attic
Drones and new technology can help show damage easier, far less costly, and much safer. But are drone investigations accurate? Will they miss damages otherwise owed with a full investigation to determine roof damage?
Continue Reading Can Drones Show Sufficient Evidence of Roof Damage for a Complete Investigation?
This week in my series on calculating actual cash value, we will look at the Green Mountain State, Vermont. It is the second smallest by population and the sixth smallest by area of the fifty states.1
Continue Reading Calculating Actual Cash Value, Part 31: Vermont
Residents of the U.S. Virgin Islands affected by hurricanes Irma and Maria now have through January 8, 2018, to register with the Federal Emergency Management Agency (FEMA).1 Registration is required if survivors intend to apply for federal disaster benefits, such as low-interest Small Business Administration disaster loans and/or FEMA grants for rental assistance, home repairs, personal property losses, and other disaster-related needs.
Continue Reading FEMA Registration Deadline Extended Until January 8, 2018, for US Virgin Islands
The Mississippi Department of Insurance just issued a bulletin regarding the depreciation of labor from Actual Cash Value. This is similar to Arkansas which Shane Smith reported in Arkansas Insurance Department Bulletin on Depreciation of Labor.
Continue Reading Depreciation of Labor and Actual Cash Value
Following another reader’s request, this week’s installment of my blog series on Assignment of Benefits (“AOB”) we are exploring the applicability and validity of AOBs in Virginia.
Continue Reading Assignment of Benefits, Part 9: Virginia
While most of our readers are familiar with Business Income loss claims as a result of a natural event such as fire or hurricane, what protects a business when forced to cease operations or can’t get the supplies needed to manufacture goods because of a political event?
Continue Reading Loss of Business Income as a Result of Political Events
Homeowner property insurance policies usually cover the dwelling located at the “residence premises,” which is typically defined as the one, two, three, or four-family dwelling used principally as a private residence and where the insured resides. What happens if the insured is not residing in the dwelling at the time of a fire loss? Is the fire loss covered? The answer may depend on whether the jurisdiction has enacted a standard form of fire insurance.
Continue Reading Does a Residence Restriction Violate the Standard Fire Insurance Policy?
In Nebraska, the test for calculating actual cash value is Fair Market Value. In Olson v. Le Mars Mutual Insurance Company of Iowa,1 when both the insurer and insured advocated use of the broad evidence rule, the Nebraska Supreme Court held that the test was Fair Market Value.
Continue Reading Calculating Actual Cash Value, Part 23: Nebraska