William Rabb | Insurance Journal Insureds cannot rely on the word of an insurance adjuster—even one hired by the insurer—to show that a homeowners’ policy covers sewage backup, a federal appeals court said in a case that underscored the sanctity of policy exclusions but also raised questions. “While we respect the unfortunate nature of events… Continue reading State Farm Adjuster’s Opinion Does Not Override Policy Exclusion in MS Sewage Backup
Category: Insurance
Navigating Commercial Property And Cyber Insurance Claims
Kyle A. Smith | Ankura A Forensic Accountant’s Perspective When disaster strikes, the difference between a smooth recovery and a drawn-out claims process often comes down to how effectively an organization manages its insurance claim. By proactively addressing common issues early in the process, organizations can achieve a more efficient and predictable recovery, reduce disruption,… Continue reading Navigating Commercial Property And Cyber Insurance Claims
Nevada Appellate Courts Close January with Three Consequential Civil Decisions
Michael Lowry | Wilson Elser Nevada’s appellate courts closed January 2026 with three significant civil opinions, each clarifying a doctrinal boundary that has meaningful implications for litigants and insurers. Together, the decisions refine premises-liability standards, expand remedies available to excess insurers, and establish a formal framework for anonymous pleading in civil cases. 1. Court of… Continue reading Nevada Appellate Courts Close January with Three Consequential Civil Decisions
Defining Indemnity in the Context of Actual Cash Value Calculations
Jonathan C. Held and Heidi Hudson Raschke | J.S. Held “The basic premise of traditional property insurance is the concept of indemnity. The insured who suffers a covered loss is entitled to receive full, but not more than full, value for the loss suffered, to be made whole but not be put in a better… Continue reading Defining Indemnity in the Context of Actual Cash Value Calculations
Court Says Ensuing Loss Requires More Than Increased Susceptibility
Joshua Tumen | Property Insurance Law Observer In Stella Property Development and Event Production, LLC v. Auto-Owners Insurance Company, 2026 WL 221489 (W.D. Pa. 2026), the United States District Court for the Western District of Pennsylvania denied summary judgment as to the applicability of the subject property policy’s (i) wear and tear and (ii) inadequate maintenance… Continue reading Court Says Ensuing Loss Requires More Than Increased Susceptibility