Eduardo A. Maura | Ayala Law Dealing with property damage is stressful enough. Whether it’s mold creeping through your walls, water damage from a busted pipe, or the aftermath of a fire, homeowners and property owners turn to insurance to help them recover. But then comes the surprise: the insurance company denies your claim, citing… Continue reading Mold, Water Damage & Fire Claims: The ‘Excluded Perils’ Clause That Can Ruin Your Payout
Category: Insurance
Homeowner Allowed to Amend Complaint to Demonstrate Third-Party Beneficiary Status Under Lender-Placed Policy
Tred R. Eyerly | Insurance Law Hawaii The homeowner’s complaint was improperly dismissed without leave to amend to demonstrate she was a third-party beneficiary of a lender-placed policy on her home. Williams v. Integon Nat’l Ins. Co., 2025 U.S. App LEXIS 6919 (5th Cir. March 25, 2025). Ellen Williams purchased a home… Continue reading Homeowner Allowed to Amend Complaint to Demonstrate Third-Party Beneficiary Status Under Lender-Placed Policy
Where There’s Fire, There’s Smoke … and Smoke Damage Disputes
Shannon L. Santos and David Simantob | Wilson Elser In January 2025, dozens of wildfires ripped through Los Angeles in a way no one could have imagined. We all spent the week in front of televisions waiting to see which direction the winds would take the fires. Those not forced to officially evacuate had bags… Continue reading Where There’s Fire, There’s Smoke … and Smoke Damage Disputes
Is a Customized Umbrella Insurance Policy Right for Your Construction Company?
Dennis Verheijde | Construction Executive Don’t put all your eggs in one basket—but it might be best to put all your insurance policies under one umbrella, especially when it comes to the intricacies of construction. Construction is an inherently high-stakes industry, where lawsuits, accidents and unpredictable events can jeopardize a company’s financial health. While traditional… Continue reading Is a Customized Umbrella Insurance Policy Right for Your Construction Company?
Court Weighs in on Determining “Period of Restoration”
Paul Ferland, Joshua Tumen and Tracey Jordan | Property Insurance Law Observer In Comprehensive Medical Center, Inc. v. State Farm Mutual Automobile Insurance Company, 2025 WL 416814 (9th Cir. 2025), the Ninth Circuit Court of Appeals affirmed the district court’s determination that the period of restoration tied to water damage at the insured’s commercial property was… Continue reading Court Weighs in on Determining “Period of Restoration”