• Riots, Insurance, and Moratoriums

    Riots, Insurance, and Moratoriums Summary : The death of Freddie Gray in the custody of Baltimore police in April 2015 led to riots and destruction in the city. There were protests both peaceful and violent, and damage was estimated to be over $1 million. As is often the case, insurance...

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  • Immediate and Complete Defense

    Immediate and Complete Defense Additional insureds sought summary judgment against the insurer on the issues of whether the insurer failed to provide an immediate and complete defense for the insureds. This case is Travelers Property Casualty Company of America v. Kaufman & Broad Monterey Bay,...

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  • Coverage for a Mortgagee

    Coverage for a Mortgagee The insured's mortgagee brought an action against the insurer to recover for a fire loss to a vacant building. This case is SWE Homes, LP v. Wellington Ins. Co., 436 S.W.3d 86 (Tex. App. 2014) . Sadberry purchased a residential property with a mortgage from SWE. He...

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  • Home Sharing

    Home Sharing Summary : While ride sharing and car sharing have gotten lots of media attention, home sharing is another sharing system. People rent rooms or homes for short periods of time or exchange their homes for someone else's for a given time. Similar to ride and car sharing, there are...

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  • Home Sharing

    Home Sharing Summary : While ride sharing and car sharing have gotten lots of media attention, home sharing is another sharing system. People rent rooms or homes for short periods of time or exchange their homes for someone else's for a given time. Similar to ride and car sharing, there are...

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  • Improvements, Alterations, and Additions

    Improvements, Alterations, and Additions Supplementary Coverage Summary: Just as lessees of commercial property have a use interest in any building additions, alterations, or improvements made at their expense, a tenant of residential property has a similar interest. When a tenant invests in...

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  • Insurance, Ebola, and Viruses

    Insurance, Ebola, and Viruses In 2012 H1N1 was the medical issue taking the world by storm; people feared a pandemic and what that would do to the economy and society as a whole. This year the feared disease is Ebola; harder to spread, but much more deadly once contracted. As of October tenth,...

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  • Homeowners Policy and Coverage for Assault and Battery Claims

    Homeowners Policy and Coverage for Assault and Battery Claims An employee filed a complaint against a co-worker claiming that the co-worker committed continuous assaults and batteries on the employee at the place of employment. This case is Love v. Sirey, 119 So.3d 732 (2013) .  Love filed...

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  • FAIR Plan Coverage Limited by Statute

    FAIR Plan Coverage Limited by Statute By Barry Zalma, Esq.   In 1968, the legislature enacted the California FAIR Plan to provide property insurance to the otherwise uninsurable. Appellants, who lived in high fire risk areas, were insured under the FAIR Plan. Following wildfires, appellants...

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  • Identity Theft

    Identity Theft Can Anything Be Done? Summary: Identity theft is increasingly in the news, whether it is the clever ad on television with characters lamenting purchases they obviously never made, the 2013 box office hit starring Jason Bateman and Melissa McCarthy, or the theft of a laptop computer...

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  • Personal Articles Form

    Personal Articles Form Scheduling of Valuable Personal Articles Summary: The personal articles floater is a method used to provide coverage on those particular classes of valuable personal possessions that are most frequently insured on a scheduled, open perils basis. It constitutes a convenient...

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