Insurance Blogs

Insurance Blogs

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Being on The Side of Angels—Public Adjusters Will Lose If They Fail to Follow This Philosophy | Property Insurance Coverage Law Blog

The interests and needs of policyholders is why public adjusters get to make a living adjusting claims. The financial interests of the public adjuster are not paramount to the policyholder. The public interest is paramount over the public adjuster trade. So long as public adjusters properly serve policyholders, serve the public interest, and strive to raise the bar of those participating in their trade, they will be allowed to practice what used to be illegal in Florida, is limited in…

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The 4 Coverages of Homeowners Insurance

Coverage for the structure of your home Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of the house. A standard policy will not pay for damage caused by a flood, earthquake or…

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Do Not Make These 7 Mistakes When Choosing a Roofing Contractor After a Hurricane | Property Insurance Coverage Law Blog

Hurricane Michael and Hurricane Florence are the most recent hurricanes which have left policyholders facing one of the most important decisions they can make—who will fix my roof? How do you go about choosing a roofer to fix a hurricane damaged roof? Are there common mistakes policyholders make when choosing a roofing contractor? There are 7 mistakes you should avoid to protect yourself and help you pick a quality roofer following a hurricane. This is what the National Roofing Contractors…

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Are You an Unsafe Driver?

Driving on America’s roadways today is a dangerous undertaking. The National Highway Traffic Safety Administration (NHTSA) reports that the U.S. saw 37,461 traffic fatalities in 2016, many of which were caused by driver error. Many people who consider themselves to be safe, dependable drivers actually have dangerous driving habits. Whether you’ve been driving for days or decades, avoiding the following common driving behaviors can help you stay safe on the road and lower your risk of an accident. Distracted Driving…

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Narrowly Interpreted Exclusion Leads to Coverage | Property Insurance Coverage Law Blog

Insurance policies are to be interpreted in the light most favorable to the insured. Narrowly interpreting policy language can help find coverage for an insured, as was the case in Tuscarora Wayne Insurance Company v. Hebron.1 In Tuscarora, a Pennsylvania appellate court reversed a trial court’s decision and found that an insurance policy exclusion for “ongoing business operations” did not bar coverage for a fire loss. Hebron, a vehicle dismantling facility, suffered a loss when a fire occurred when one…

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AIG reports up to $1.7bn Q3 losses, up to $500m for hurricane Michael

International insurance giant American International Group (AIG) has continued to pass on a share of its catastrophe losses to its reinsurance panel and looks set to continue doing so through the rest of this year, as its third-quarter loss bill is up to $1.7 billion and Q4 starts with up to $500 million from hurricane Michael.AIG’s reinsurance program insulates it against major loss events and also frequency losses above a certain size, while its severe loss stop-loss also caps its…

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How to Keep Your Kids Safe on Social Media [GUEST BLOGGER]

By Elizabeth Harper, Techlicious H1: How to Keep Your Kids Safe on Social Media In today’s high-tech world, keeping kids safe online is a constant challenge. Parents worry about their children meeting people with bad intentions, posting inappropriate content that may embarrass them later and spending too much time on their devices. It is particularly difficult for parents of tweens and teens who may have their own smartphones and can easily use social media frequently — potentially away from watchful eyes.  According to Pew Research…

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Carriers have capital & reinsurance to respond to hurricane Michael: Demotech

Insurance carriers reviewed by Demotech all have the capital and reinsurance backing that is required for them to respond to claims in the wake of hurricane Michael, a storm that may have caused as much as $15 billion to $20 billion of insured losses according to the firm.Demotech says that reinsurance is critical in helping insurers operating in Florida to deal with the hurricane threat. Even though hurricane Michael one of the strongest ever to hit the state, packing a…

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Over 75% of Canadian small businesses polled are operating without cyber insurance: here’s why that’s a hack approach to managing cyber risk

TORONTO, October 25, 2017 — TruShield Insurance recently polled Canadian entrepreneurs across the country to find out how they protect their businesses from the growing threat of cybercrime. Findings revealed that there are a number of cyber security myths floating around that are leaving small business owners unnecessarily vulnerable.In the spirit of Canadian Small Business Month, TruShield wants to set the record straight by debunking those myths. To help us do that we connected with BlackBerry’s Cybersecurity Consulting Group to…

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The Future of Catastrophe Risk

This post is part of a series sponsored by CoreLogic. First on the Market Ten years ago, CoreLogic® (at the time, EQECAT) introduced the use of global Atmosphere-Ocean-General-Circulation Models (AOGCM) for insurance-oriented assessments of windstorms in Europe. They were used for long, continuous simulations of past, present and future storm activity affecting properties around the world. Performed in collaboration with renowned universities, these simulations helped to reduce and better quantify the uncertainty associated with the modeling of insurance losses for…

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