Property
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January 23, 2025
Insurance Litigation Week In Review
Arbitrations for domestic insurers are out in Louisiana, Freddie Mac ended its $32 million coverage dispute, a California woman wants the U.S. Supreme Court to consider her coverage case and the 10th Circuit seemed skeptical that an insurer's reliance on an expert could set any precedent.
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January 23, 2025
Anderson Kill Atty Gives Tips To Policyholders After LA Fires
The recent wildfires in California have underscored the importance of policyholders knowing the extent of coverage they purchased and their rights if they must ultimately take their insurer to court. Here, Law360 talks with Anderson Kill's Diana Shafter Gliedman about what policyholders should keep in mind when purchasing insurance coverage.
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January 21, 2025
La. Judge Lifts Arbitration Order In $7M Ida Damage Case
A Louisiana federal judge lifted a stay and vacated an order to arbitrate a $7 million Hurricane Ida damage claim against domestic surplus insurers, ruling that a recent decision from Louisiana's top court represents an "'intervening change in the controlling law.'"
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January 21, 2025
Conn. Cannabis Co.'s Income Loss Not Covered, Judge Says
A cannabis product manufacturer cannot get more than $1.3 million in business interruption coverage from a Berkshire Hathaway unit for a fire in one of its "flowering rooms," a Connecticut federal court ruled, finding it failed to establish a causal link between a suspension of operations and lost income.
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January 21, 2025
10th Circ. Skeptical Ruling Would Invite Bogus Claim Denials
A Tenth Circuit panel appeared skeptical Tuesday that a lower court had cleared the way for the insurance industry to rely on flawed expert reports to justify claims decisions, with one judge suggesting the ruling was a limited one.
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January 21, 2025
As Fire Victims Seek Legal Help, Experts Warn Of Red Flags
As lawyers from across the nation descend upon Southern California to sign up those affected by the devastating wildfires, fire victims should not rush to hire an attorney, lest they also become victims of fraud or other predatory practices, the state bar and ethics-savvy attorneys warn.
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January 17, 2025
Law360 Names Practice Groups Of The Year
Law360 would like to congratulate the winners of its Practice Groups of the Year awards for 2024, which honor the attorney teams behind litigation wins and significant transaction work that resonated throughout the legal industry this past year.
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January 17, 2025
Law360 Names Firms Of The Year
Eight law firms have earned spots as Law360's Firms of the Year, with 54 Practice Group of the Year awards among them, steering some of the largest deals of 2024 and securing high-profile litigation wins, including at the U.S. Supreme Court.
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January 17, 2025
Fla. HOA Says Insurer Failed To Pay Or Appraise $9.5M Claim
A Sunshine State condo association told a Florida federal court Friday that its insurer failed to pay its $9.5 million claim for damages sustained as a result of Hurricane Ian, alleging the insurer didn't meet its policy's terms regarding assigning an appraiser.
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January 17, 2025
Property Owner Says Nationwide Lowballed On $3.8M Losses
A Georgia property owner accused its insurer, a Nationwide unit, of "grossly underestimating" damages from separate hail and water events, alleging it was offered a combined total of less than $8,000 for losses exceeding $3.8 million, in a case removed to Georgia federal court.
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January 16, 2025
GM, OnStar Agree To FTC's Ban On Location Data Sharing
General Motors and OnStar agreed to a five-year ban on disclosing geolocation and driver behavior data to consumer reporting agencies to resolve the Federal Trade Commission's allegations that the companies didn't get drivers' consent before sharing, the agency announced Thursday.
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January 16, 2025
Fire-Safe Rebuilding Key To Reducing LA Insurance Issues
Reducing the potential of fires like those in Los Angeles to disrupt insurance and housing markets will require a significant and sustained effort to lower physical risks in fire-prone communities, and a commitment to rebuilding to stronger standards.
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January 16, 2025
Insured Atty Says Strike Trade Issues Need Special Coverage
Union leaders and management for ports and shipping companies reached a tentative deal to avoid a major strike, a close call that highlighted how losses from trade disruptions can fall through the cracks of standard insurance coverage. Stephen Raptis, a partner at Reed Smith LLP's insurance recovery practice, spoke to Law360 about the kinds of losses that can result from a strike-induced supply chain disruption, where the usual coverage options fall short and what policyholders in the maritime trade can do to minimize their risks.
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January 16, 2025
6th Circ. Won't Revisit Mercedes Fire Coverage Row
The Sixth Circuit declined Thursday to revisit a decision finding the research group for Mercedes-Benz North America could be liable for over $1 million in property damage following a fire its employees set inadvertently at a Michigan property it rented.
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January 16, 2025
Allstate Hit With Class Action Over Driver Data Collection
Allstate illegally obtained the personal driving data of millions of policyholders via software embedded in third-party apps and secretly used that data to hike premiums, deny claims or drop policyholders from coverage altogether, according to a proposed class action filed in Illinois federal court.
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January 16, 2025
Home Depot's 6th Circ. Loss Reveals Cyber Coverage Gaps
The Sixth Circuit's finding that an electronic data exclusion in Home Depot's insurance policies barred coverage for a $50 million claim stemming from a 2014 data breach marks an important distinction in litigation over whether multiple types of policies can cover the same loss, experts say.
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January 16, 2025
Insurance Litigation Week In Review
The Sixth Circuit backed Home Depot’s loss in its $50 million data breach coverage fight, the U.S. Supreme Court refused to hear a California farming partnership’s crop coverage dispute, and the Fourth Circuit ruled that an insurer must reimburse Liberty Mutual for a $1 million appeal bond. Here, Law360 takes a look at the past week's top insurance news.
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January 16, 2025
Condo Association Seeks $3.4M In Water Damage Coverage
A Washington state condominium association argued that its insurers owe payouts for an estimated $3.4 million in property damage caused by hidden water intrusion, the association told a federal court.
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January 15, 2025
Natural Disasters And Wildfires Reshape CRE Dealmaking
Natural disasters are already reshaping all aspects of commercial real estate dealmaking, attorneys say, and their importance is expected to grow considerably as a result of the ongoing Los Angeles wildfires.
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January 14, 2025
Insurer Says Event Co. Hid Texts Showing Overstated Losses
An insurer renewed its request for sanctions in a Minnesota federal case against an event center it insured, accusing the business of concealing evidence that it fraudulently inflated its losses from vandalism after the death of George Floyd.
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January 14, 2025
Mercedes Urges 6th Circ. Redo Of Fire Coverage Ruling
The research group for Mercedes-Benz North America has told the Sixth Circuit it should not have to reimburse the insurer of an Ann Arbor, Michigan, property it rented for a fire it inadvertently set, saying a clause in its lease prevents subrogation.
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January 10, 2025
Excess Insurers Freed From Kiwanis Sex Abuse Case
A Washington federal judge on Friday dismissed child sex abuse survivors' claims against excess insurers of a boys foster home run by Kiwanis International, calling the plaintiffs' demands for coverage of a $21 million judgment "unripe" because the home's primary policies have not been drained.
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January 10, 2025
LA Fire Insured Damages Could Top $20B, JP Morgan Says
Insured losses from wildfires still blazing through Los Angeles could exceed $20 billion, J.P. Morgan analysts said in client notes, a steep increase from the more than $12 billion California insurers incurred from the next costliest spate of wildfires in 2018.
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January 09, 2025
Calif. Reinsurance Plan Spurs Mixed Feelings As Fires Spread
One week before the Los Angeles wildfires began, California's insurance regulator said insurers would soon be required to increase coverage in areas deemed high-risk for wildfires, leaving experts split over whether the regulation is an overdue update or an opportunity to pass costs onto policyholders.
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January 09, 2025
Top Climate Stories For Insurance Attys To Watch In 2025
Climate change is fueling a national insurance crisis that is threatening housing markets, municipal tax revenues and the ability to adapt to extreme weather events. Here, Law360 examines the top climate stories attorneys should watch in 2025.
Expert Analysis
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How Cannabis Cos. Can Comply With NJ Industrial Site Law
As New Jersey’s recreational cannabis market flourishes, manufacturers that may be subject to a state environmental law must take extra precautions to mitigate potential liabilities and costs, including for historical contamination, says Matthew Karmel at Offit Kurman.
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As EVs Surge, Regs For Charger Warranties Remain Murky
Even as electric vehicles move rapidly into the mainstream, extended warranties for EV chargers do not always fit clearly into existing regulatory categories — but how such contracts are classified can have serious implications for the companies that issue and sell them, say attorneys at Locke Lord.
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Tips For Plaintiffs Attorneys Ahead Of Expanded Fire Season
With the expansion of fire season — both in length of time and geography — plaintiffs lawyers can expect fire-related litigation to increase this coming year and need to prepare themselves and their clients for claims that are complex, time-consuming and costly, says Gerald Singleton at Singleton Schreiber.
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Establishing A Record Of Good Faith In Mediation
Viacom v. U.S. Specialty Insurance, and other recent cases, highlight the developing criteria for determining good faith participation in mediation, as well as several practical tips to establish such a record, says Richard Mason at MasonADR.
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Using ChatGPT To Handle Insurance Claims Is A Risky Move
ChatGPT gets some insurance law questions surprisingly wrong, and while it handles broader coverage concepts significantly better, using it to assist with coverage questions will likely lead to erroneous results and could leave insurers liable for bad faith, says Randy Maniloff at White and Williams.
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Insureds Must Prep For Drought-Related Service Interruptions
Amid the ongoing U.S. water crisis, corporate policyholders must prepare for the emerging risk of service interruption property damage and time element loss, including through careful examination of their current and renewal property policies, says Micah Skidmore at Haynes Boone.
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Fla. Bill Would Rein In Personal Injury Litigation Excesses
A recently proposed bill in the Florida House that would change bad-faith laws and the admissibility of medical bills for services performed under a letter of protection would provide reasonable checks on practices that are far too common in personal injury cases in the Sunshine State, say attorneys at Baker Donelson.
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A Missing Issue In 'Blank Space' Insurance Ruling
As Norwegian Hull Club v. North Star heads to trial in Florida federal court, the most interesting part of the court opinion denying summary judgment is the argument it doesn't address — contra proferentem, which could have been used to resolve the case's blank space ambiguity in the policyholder's favor, say Jeffrey Mikoni and Scott Greenspan at Pillsbury.
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High Court Ax Of Atty-Client Privilege Case Deepens Split
The U.S. Supreme Court's recent dismissal of In re: Grand Jury as improvidently granted maintains a three-way circuit split on the application of attorney-client privilege to multipurpose communications, although the justices have at least shown a desire to address it, say Trey Bourn and Thomas DiStanislao at Butler Snow.
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Wis. High Court Ruling May Open Door To Coverage Exception
The Wisconsin Supreme Court’s recent decision in Dostal v. Strand finding that an insurer had to defend a civil action following the defendant's criminal conviction on the same facts nonetheless may suggest an exception to the complaint test for determining an insurance company's defense obligation, say David Hollander and Clementine Uwabera at Stafford Rosenbaum.
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Trial Lawyers Rejoice: Justices May Clarify Issue Preservation
The U.S. Supreme Court's recent grant of certiorari in Dupree v. Younger should be a boon to trial and appellate lawyers as the decision will likely standardize a rule for appellate issue preservation, bringing much-needed clarity to an area critical to general litigation success, says Jeremy Christiansen at Gibson Dunn.
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Minimizing Landlord Exposure To NY's Gray Cannabis Market
As New York rolls out its legal adult-use cannabis regime, landlords renting to as-yet unlicensed cannabis establishments may face liability under two statutes — but a few commonsense steps can help protect them from this risk, say attorneys at Carter Ledyard.
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Cultivating Good Relationships With Insurance Regulators
Excerpt from Practical Guidance
Insurers can develop mutually beneficial working relationships with insurance regulators by following some simple tips for streamlining communication, knowing how and when to ask for help, and treating regulatory staff with professional courtesy, says Layna Rush at Baker Donelson.