Advise & Consult, Inc. Key Takeaways Analysis 1. The Role of the Insured in Claim Investigations In property insurance claims involving wildfire smoke and particulate contamination, claims adjusters frequently question whether relying on a policyholder’s requested testing locations satisfies the carrier’s duty to investigate. An insurer is fully expected to gather factual input from the… Continue reading Allocation of Responsibility in Wildfire Smoke Investigation Protocols
Category: Insurance
How AI is Transforming Insurance: Real Results, ROI, and the Road Ahead
Dan Reynolds | Risk & Insurance From submission intake to claims processing, artificial intelligence is delivering measurable results for insurers willing to embrace change. Success will depend on overcoming ingrained habits and adopting a more modular approach to technology. The insurance industry stands at a technological inflection point. After decades of relying on legacy systems,… Continue reading How AI is Transforming Insurance: Real Results, ROI, and the Road Ahead
From Colossus to ChatGPT: Artificial Intelligence in Modern Claim Handling — Efficiency, Explainability, and Exposure
Christopher Jacobs | Houston Harbaugh I. Introduction and Historical Context The integration of artificial intelligence into the insurance industry has not occurred in a single leap but through a series of incremental innovations—each testing the boundaries between efficiency and fairness, automation and accountability. While today’s conversation focuses on large language models, image-recognition tools, and predictive… Continue reading From Colossus to ChatGPT: Artificial Intelligence in Modern Claim Handling — Efficiency, Explainability, and Exposure
California Supreme Court Allows Declaratory Relief and Bad Faith Claims to Proceed Against Excess Insurers Before Underlying Exhaustion
Steven D. Allison, Sheila Z. Chen, Terrence R. McInnis, Samrah Mahmoud, Brooke Lindsey and Christy Markos | Troutman Pepper Locke Key Points On July 27, 2026, the California Supreme Court issued a significant opinion in Fox Paine & Company, LLC v. Twin City Fire Insurance Company, No. S287404, with important implications for excess insurers. In a unanimous decision… Continue reading California Supreme Court Allows Declaratory Relief and Bad Faith Claims to Proceed Against Excess Insurers Before Underlying Exhaustion
Client Alert: The New AI Coverage Fight: Exclusions, Endorsements, and Denied Claims
Brian Focht | Shumaker, Loop & Kendrick Many businesses are adopting artificial intelligence (AI) under the familiar assumption that if something goes wrong, insurance will help absorb the loss. That assumption may need revision. As with cybersecurity and cyber liability insurance a decade ago, the insurance industry is doing something it doesn’t like doing: paying… Continue reading Client Alert: The New AI Coverage Fight: Exclusions, Endorsements, and Denied Claims