Tag Archives: Fire

What Is A Fire?

Last month, I spoke at the First Party Claims Conference in Rhode Island on the topic of the Standard Fire Insurance Policy, which 165-line form provides coverage for direct loss by fire and lightning.1 My presentation presumed that everyone knows what a fire is, myself included. I changed my mind though after reading the Connecticut … Continue Reading

Where Wind Meets Fire – Wildfire

Last week, Richard Tutwiler of Tutwiler and Associates, Matthew Garnett of Vernis and Bowling, Heather Filegar of Southern Healthy Homes, and I presented at the 2018 Windstorm Insurance Conference at the Rosen Shingle Creek Hotel. Rick Tutwiler who will be the President of the Windstorm Insurance Network in 2020, wanted to expand the course offering … Continue Reading

Does Smoke Damage Electrical Gadgets, Computers or Apparatus?

Fires, and especially the recent California wildfires, are going to raise questions related to the long-term impact of fire, smoke, and the effects of smoke particulates on electrical gadgets, computers, and apparatus. We live in a day when computers and small computer chips are in virtually everything electrical or mechanical. It is an obvious question … Continue Reading

Fry Your Bird, Not Your Castle

Frying the turkey for Thanksgiving has become increasingly popular over other, more traditional, turkey-cooking methods. Are you considering frying your turkey bird for this upcoming Thanksgiving meal? If so, you may also want to consider the risks associated with this trending and flavorful frying technique.… Continue Reading

Don’t Get Spooked By Scary Insurance Claims This Halloween! Protect Yourself From Halloween Horrors!

Ghost, goblins, and haunted houses are not the only scary thing homeowners should be ready for this Halloween season. Fires, theft, and vandalism are scary insurance claims that commonly haunt homeowners during this time. Fortunately, most homeowners’ policies are Halloween friendly. Here are tips to prepare for potential spooky insurance claims.… Continue Reading

Exclusions in States That Have a Statutory Standard Form Fire Insurance Policy

Insurers often issue property insurance policies intended cover multiple perils (e.g. water damage and fire). While insurers often include a number of exclusions in their policies, in states with statutory standard form fire policies (such as California), insurers cannot apply exclusions that substantially vary from the terms and conditions in the standard form fire policy … Continue Reading

Using a Motion in Limine to Exclude Evidence of Prior Fires or Prior Insurance Claims

Motions in limine are commonly used to seek a pre-trial ruling regarding excluding inadmissible or prejudicial evidence. At the federal level, Federal Rules of Evidence (“FRE”) 103(d) and 104(c),1 402,2 403,3 and 611(a)4 and Federal Rule of Civil Procedure (“FRCP”) 16(c)5 provide the underlying bases for in limine motions, though the power to rule on … Continue Reading

Lava Flows – Earth Movement or Fire Claim?

There is no question – we seldom think about property losses occurring from lava flow. However, in rare instances, such losses do happen. Lava is the Earth’s way of creating new land, and if it wasn’t for lava flows we wouldn’t have the beautiful islands that make up Hawaii. Hollywood has portrayed images of volcanic … Continue Reading

Bigger Than The Blaze

Note: This guest blog is by Chris Aldrich, a firefighter for 23 years, (19.5 in Toms River with 2 of the 19 years as Fire Chief, 12 years as a command officer, 3.5 years in Whitesville FD, Jackson Township serving currently as Fire Commissioner), as well a Deputy Fire Coordinator, with the Ocean County Fire … Continue Reading

California Enters a New Year “On Fire”

As California enters the New Year, both Northern and Southern California have experienced problems with wildfires. Of the six fires in the Northern California Region which occurred over the last month, one still remains active and is only 40% contained in Calaveras County.… Continue Reading

Texas to Launch Wildfire Mapping Site

Television Station KXAN of Austin, Texas, reported recently that the Texas Forest Service will be creating a system, the Texas Wildfire Risk Assessment Portal, to pinpoint wildfire damage anywhere in Texas. The Texas Wildfire Risk Assessment Portal is an online mapping tool that the Texas Forest Service will used to send risk information and create … Continue Reading
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