Exclusion

Sump Pump Logic: The Water Found a Way In, and the Insurer Found Three Ways Out

Sep 08, 2026 By Chip Merlin

Insurance Coverage Analysis Should Never Stop at the Exclusion

Aug 02, 2026 By Chip Merlin

Cosmetic Damage Exclusion Revisited: The Eighth Circuit Gives New Meaning to “To the Same Extent”

Jul 29, 2026 By Chip Merlin

Do Dead Human Bodies Cause Covered Property Damage? Florida Court Says Yes

Jun 07, 2026 By Chip Merlin

Ambiguity Is Discovered by Those Who Know Where to Look

Apr 09, 2026 By Chip Merlin

The “Cosmetic Damage Exclusion” Won: What a Court Said About Hail-Dented Metal Roofs

Dec 20, 2025 By Chip Merlin

Frozen Pipes, Water Loss, and Winter Lessons

Dec 16, 2025 By Chip Merlin

The Long Shadow of State Farm’s Water Damage Exclusions

Dec 12, 2025 By Chip Merlin

State Farm’s Water Damage Mirage: What They Don’t Tell Policyholders

Sep 23, 2025 By Chip Merlin

When “From Any Cause” Doesn’t Mean Every Cause in Marine Cargo Policies

Sep 21, 2025 By Chip Merlin

Was it Vandalism by the Contractor or Defective Workmanship?

Aug 10, 2025 By Chip Merlin

When Vandals Trigger the Sprinklers: The Battle Over Resulting Losses

Jun 03, 2025 By Chip Merlin