Losses from wildfires across the United States over the past decade have added up to $5.1 billion.1 In addition to damage typically expected from fires (smoke, soot, ash, water from fire-fighting hoses and extinguisher chemicals), some homeowners may face the additional risk of damage caused by suppression efforts, specifically aviation-based firefighting.
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A recent decision by the Supreme Court of Wisconsin1 might predict how other courts would analyze coverage under commercial general liability insurance policies for wildfires. In May 2013, a fire broke out on forest land owned by Lyme St. Croix Forest Company. The fire burned nearly 7,500 acres over the course of three days and damaged real and personal property owned by various individuals and businesses.
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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 presented this year, so we proposed a topic that had not been presented in the past: Where Wind Meets Fire: Interesting Issues in Claims Where the Wind Brings Fire, Ash, Smoke, Soot and Ash to Other Properties.
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Last month, the California Department of Insurance issued a notice to insurance companies, insurance agents, and public adjusters regarding the recent wildfires in the state. Although the notice is directed to insurance companies, agents, and adjusters, it provides useful information for policyholders affected by the wildfires. According to the Department of Insurance press release discussing the notice, Insurance Commissioner Dave Jones directed the Department to issue the notice following reports that insurance adjusters were giving wildfire victims incorrect information about their property insurance claims.
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The recent fires in Napa Valley and Sonoma, California present numerous issues for homeowners and business owners alike when it comes to navigating insurance claims. Questions arise as to what coverages are provided under a given insurance policy, how determinations on what is owed are made, what are the options on rebuilding, loss of income
One of the most terrifying and devastating perils insured against is fire. A wildfire outbreak is one news alert that can have a massive impact on our property and lives. A new research study has exposed some of the data on the insurance claim side of this catastrophe.
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My colleague Denise Sze recently blogged about the Butte and Valley wildfires. More than 5,000 homes were damaged or destroyed. Indeed, many residents face a painful road to recovery.
Last week, to increase the speed of the recovery process for wildfire victims, California Insurance Commissioner Jones obtained agreements from several insurance companies to adopt various claims handling reforms.
As promised yesterday in Wildfire and Smoke Claims – A Case Burning With Issues That Public Adjusters Should Study, today’s post will be the first study from the recent decision in Falcon v. State Farm Lloyds.1 The initial question is how long has the expert has been doing what he is asked to do. The fire in Falcon involved a September 2011 wildfire in Texas.
Wildfire cases are unique and have many evidentiary issues. Public adjusters have been making claims for damage by fire, heat, and especially smoke. State Farm and its able trial counsel successfully appear to be fighting back in Falcon v State Farm Lloyds.1
California has kept rainfall records since the start of the Gold Rush in the mid-1800s. 2013 ended up being the driest year on record in California history.1 That is pretty incredible when you think about it. The state is finally getting some much needed rain this weekend as a big storm rolls by.