Property
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May 15, 2025
Insurer Wants Smokestack Demo Cos. To Pay For Damage
Erie Insurance is seeking to make the companies that demolished two smokestacks at a former Western Pennsylvania coal-fired power plant pay $375,000 for damage that flying dust, debris and shock waves did to a neighboring property, according to a lawsuit filed in state court.
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May 15, 2025
Golden Corral Can't Resurrect COVID-19 Coverage Case
A North Carolina federal court blocked Golden Corral's last-ditch effort at COVID-19 insurance coverage, finding that although similar policyholders scored a recent win before the state's supreme court, that victory wasn't "extraordinary" enough to disturb a final judgment against the restaurant chain.
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May 15, 2025
What Disparate Impact Order Means For Insurers' AI Use
A recent executive order seeking to bar disparate impact theory conveys a meaningful policy shift, but does not alter the legal status of federal antidiscrimination law or enforceability of state laws, such as those holding insurers accountable for using artificial intelligence in a nondiscriminatory matter, say attorneys at Eversheds Sutherland.
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May 15, 2025
Insurance Litigation Week In Review
The California Department of Insurance approved State Farm's request for an emergency rate increase, the Delaware Supreme Court heard arguments concerning coverage for 3M's defense costs payments in multidistrict litigation, and a U.S. Senate committee questioned Allstate and State Farm on their claims-handling procedures for natural disasters. Here, Law360 takes a look at the past week's top insurance news.
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May 15, 2025
Securities Atty Talks Carrier IPOs In Uncertain Market
A selective thawing in the market could provide an opening to go public for insurance companies that aren't as directly affected by tariffs as companies in other industries, as demonstrated by two initial public offerings last week. Here, Law360 takes a look with Matthew L. Fry, a Haynes Boone partner who advised on one of the IPOs, that of American Integrity Insurance.
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May 15, 2025
NC Furniture Maker Gets Pretrial Win On Helene Coverage
A federal judge gave a North Carolina furniture manufacturer a pretrial win in its suit seeking Hurricane Helene coverage from Fireman's Fund Insurance Co., ruling that the policy at issue had an exclusion for flood damages but that the exclusion had a carve-out for "named storms."
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May 14, 2025
Insurer Ends Case Blaming Panda Express For Water Leak
An insurance company on Wednesday dropped its case seeking more than $176,000 from Panda Express Inc. for damages allegedly caused when grease-filled pipes at one of the chain's restaurants backed up and leaked water into a clothing store covered by the insurer.
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May 14, 2025
Idaho Murderer's Family Can't Get Coverage, Judge Says
The wealthy mining family of a mentally ill man who murdered and allegedly ate his victim's genitalia was denied insurance coverage for underlying litigation brought by the decedent's survivors when an Idaho federal judge determined the killing wasn't unforeseen and the killer's subjective motives weren't relevant.
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May 13, 2025
Senators Grill Allstate, State Farm Heads On Disaster Claims
Officials from Allstate and State Farm defended their claims-handling procedures for natural disasters before a U.S. Senate committee Tuesday amid testimony that the two major homeowners insurers routinely altered estimates and underpaid policyholders to protect their profits.
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May 13, 2025
State Farm's Emergency Rate Hike Request Approved In Calif.
California Insurance Commissioner Ricardo Lara announced Tuesday that he had adopted a judge's recommendation to approve State Farm General Insurance Co.'s request for an emergency rate increase for property insurance in the state, following January wildfires that have already cost California insurers $12.1 billion.
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May 13, 2025
Crypto Co. Seeks $1.9M Coverage For Mining Equipment Theft
A cryptocurrency company told a Colorado federal court that its Markel insurers failed to cover more than $1.9 million in losses from a theft of mining hardware, saying the insurers have either failed to respond or provided no reasonable explanation for their refusal.
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May 13, 2025
Ga. Property Owner Says Insurer Must Pay For Burst Pipes
A property owner told a Virginia federal court that although its insurer received late notice of property damage after a 2022 winter freeze burst pipes at its Georgia property, it was still owed coverage under a more than $30 million policy because the insurer accepted its reasons for the delay.
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May 13, 2025
Builder Says Zurich Owes $2.6M For Bronx School Damage
A contractor said a Zurich unit owes it at least $2.6 million for costs incurred after a construction site collapse at a Bronx school, telling a New York federal court the insurer failed to timely adjust its claim and wrongfully refused to pay out any funds for the loss.
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May 12, 2025
Insurer Must Pay Part Of $2M Construction Defect Settlement
A Minnesota state appellate court on Monday upheld a lower court's ruling that found an insurer must cover over $170,000 of a $2 million settlement between a marina and a contractor over alleged construction defects.
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May 12, 2025
Calif. FAIR Plan Must Provide Fire Claim Docs, Couple Says
A couple displaced by toxic contamination in their home after the Los Angeles wildfires asked a California state court on Monday to force the state's last-resort insurer to turn over all claim-related documents to policyholders who have requested them, saying the insurer's refusal to do so is unlawful.
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May 12, 2025
Will Justices Finally Rein In Universal Injunctions?
The U.S. Supreme Court is expected to address for the first time Thursday the propriety of universal injunctions, a tool federal judges have increasingly used to broadly halt presidential orders and policy initiatives, and whose validity has haunted the high court's merits and emergency dockets for more than a decade.
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May 12, 2025
Broker's Insurer Wants Out Of Suit Over Bad Advice
A professional liability insurer told a Florida federal court it owes no coverage to an insurance broker accused of wrongly advising its client on a $15.9 million hurricane loss because the advice came years before coverage began.
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May 09, 2025
Insurers Urge 1st Circ. To Undo Oil Co. Coverage Ruling
Insurers for a heating oil company asked the First Circuit to reverse a decision forcing them to defend the company and several executives in a class action alleging damage caused by fuel containing elevated levels of biodiesel, saying the company's "purposeful business choices" do not constitute an occurrence.
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May 08, 2025
Alaska Fishery Insurance Co-Ops Cast Wide Coverage Net
The Alaska House of Representatives unanimously passed a bill permitting commercial fishers to form insurance cooperatives, a move that allows all eligible boat owners the ability to obtain coverage from a source that understands the industry for a reasonable price, representatives said. Here, Law360 speaks with Reps. Louise Stutes and Kevin McCabe about what to expect.
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May 08, 2025
2nd Circ. Revives Arbitration In Hurricane Damage Suit
The Second Circuit on Thursday revived a bid by surplus insurers seeking to arbitrate claims over hurricane-related property damage in Louisiana, in a ruling that overturns its own precedent on the interpretation of a treaty governing international arbitration.
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May 08, 2025
Pierson Ferdinand Hires Commercial Litigation Partner In NY
Pierson Ferdinand LLP has added a former McElroy Deutsch Mulvaney & Carpenter LLP attorney as a New York-based partner in its commercial litigation practice, the firm said Thursday.
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May 08, 2025
Natural Disasters Change Climate For Art Insurance
Art loss isn't new, but it has gained more attention as natural disasters become increasingly frequent. The perils that threaten collections — hurricanes, floods, fires and even hailstorms — have made it harder to find coverage, sparking a trend of decoupling art insurance from other forms of coverage.
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May 07, 2025
No Quick Win For Insurer In Hail Damage Dispute
A Georgia federal court on Wednesday rejected an insurer's pretrial bid to avoid covering a homeowners association's hail damage claims, finding there are "plainly genuine disputes of material fact as to whether hail damage occurred to the roofs of the property during the policy period."
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May 05, 2025
Ky. Property Owner Sues Liberty Mutual For Arson Coverage
The owner of an apartment building in the Louisville, Kentucky, metro area accused a Liberty Mutual unit of denying property coverage in bad faith for a May 2023 arson incident that rendered the building a total loss, telling a federal court Monday the insurer wrongly invoked a raft of exclusions.
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May 05, 2025
Insurer Knowingly Skimped On Storm Probe, Texas Court Told
A Houston-area developer's insurer deliberately refrained from a proper investigation after a May 2024 storm and thus came up short on covering losses, the developer told a Texas federal court Monday.

Public Fire Model Could Boost Calif. Insurance Oversight
Developing a public wildfire model in California could help provide a transparent benchmark for insurance regulators to better understand fire risk and evaluate rates, but experts warn that challenges remain as the federal government eyes cuts to key climate monitors.

Calif. Insurer Collusion Suits Will Rest On Evidence, Pros Say
Two suits accusing California insurers of colluding to limit property insurance coverage through control of the state's last-resort insurer are drawing interest from policyholder advocates over what discovery might reveal, while insurer representatives are blasting the actions as completely meritless.

Colo. FAIR Plan Gives Policyholders Options At A Cost
Colorado launched the country's first new Fair Access to Insurance Requirements, or FAIR, Plan in 40 years to offer residents another tool in an increasingly challenging wildfire, hail and wind market, but experts emphasized that this limited form of coverage is not intended to address affordability concerns.
Expert Analysis
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4 Ways To Leverage A Jury's Underdog Perceptions
Counsel should consider how common factors that speak to their client's size, power, past challenges and alignment with jurors can be presented to try and paint their client as a sympathetic underdog, says Ken Broda-Bahm at Persuasion Strategies.
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Why Hiring Former Jurors As Consultants Can Be Risky
The defense team's decision to hire former juror Victoria George in the high-profile retrial of Karen Read shines a spotlight on this controversial strategy, which raises important legal, ethical and tactical questions despite not being explicitly prohibited, says Nikoleta Despodova at ND Litigation.
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Calif. Smoke Claim Ruling Gives Insurers Support On Denials
Far from being an outlier among ash, soot and smoke coverage cases, a California appellate court's recent opinion in Gharibian v. Wawanesa General Insurance reinforces the principle that policyholders must establish entitlement to coverage as a threshold matter, while supporting denials of coverage for meritless claims, says Kyle Espinola at Zelle.
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How Attys Can Use A Therapy Model To Help Triggered Clients
Attorneys can lean on key principles from a psychotherapeutic paradigm known as the "Internal Family Systems" model to help manage triggered clients and get settlement negotiations back on track, says Jennifer Gibbs at Zelle.
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How Attorneys Can Make The Most Of A Deposition Transcript
With recent amendments to federal evidence rules now in effect, it’s more important than ever to make sure that deposition transcripts are clear and precise, and a few key strategies can help attorneys get the most out of a transcript before, during and after a deposition, says Allison Rocker at Baker McKenzie.
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Navigating Florida's Bad Faith Reforms After Appellate Ruling
A Florida appellate court's recent decision is among the first to interpret two significant amendments to the state's insurance bad faith law, and its holding that one of the statutes could not apply retroactively may affect insurers' interpretation of the other statute, say attorneys at Cozen O'Connor.
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Key Questions When Mediating Environmental Disputes
As the U.S. Environmental Protection Agency implements dramatic regulatory changes, companies seeking to use mediation to manage increased risks and uncertainties around environmental liabilities should keep certain essential considerations in mind to help reach successful outcomes, says Edward Cohen at Thompson Coburn.
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Understanding How Jurors Arrive At Punitive Damage Awards
Much of the rising trend of so-called thermonuclear verdicts can be tied to punitive damages amounts that astonish the imagination, so attorneys must understand the psychological underpinnings that drive jurors’ decision-making calculus on damages, says Clint Townson at Townson Litigation.
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Notable Q1 Updates In Insurance Class Actions
The first quarter of 2025 was filled with the refinement of old theories in the property and casualty space, including in vehicle valuation, time to seek appraisal and materials depreciation, says Mathew Drocton at BakerHostetler.
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Takeaways From Alaska Justices' Pollution Exclusion Ruling
A recent Alaska Supreme Court ruling that a total pollution exclusion in a homeowners policy didn't bar coverage for carbon monoxide poisoning shows that even when policy language appears unambiguous on its face, courts can still consider the reasonable expectations of an insured to determine applicability, say attorneys at Hunton.
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Strategies To Help Witnesses Manage Deposition Anxiety
During and leading up to deposition, witnesses may experience anxiety stemming from numerous sources and manifesting in a variety of ways, but attorneys can help them mitigate their stress using a few key methods, say consultants at Courtroom Sciences.
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5 Insurance Types For Mitigating Tariff-Related Trade Losses
The potential for significant trade-related losses as a result of increased tariffs may cause companies to consider which of their insurance policies, including marine, builders risk, trade credit, and directors and officers, could provide coverage to alleviate the financial impact, say attorneys at Pillsbury.
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A Cold War-Era History Lesson On Due Process
The landmark Harry Bridges case from the mid-20th century Red Scare offers important insights on why lawyers must be free of government reprisal, no matter who their client is, says Peter Afrasiabi at One LLP.