Danielle Robinson | Marshall Dennehey Security First Insurance Company v. Moreno, 51 Fla. L. Weekly D59 (January 7, 2026) This case involves a claim for property damage allegedly caused by Hurricane Irma on September 10, 2017. However, the damage was reported to the carrier more than two years later on April 22, 2020. The carrier… Continue reading Third DCA Finds Two‑Year Delay in Reporting Property Damage Violates Prompt‑Notice Obligation
Category: Property Damage
The Financial Damages Model for Loss of Value
A. Scott Davidson, Sid Jaishankar, Ashley Houlden, and Michael Sherlock | Kroll Introduction Damages are generally calculated as either a loss of income or a loss of capital. When damages are determined on account of a loss of capital, it is often necessary to perform a valuation of an asset or business. This chapter is… Continue reading The Financial Damages Model for Loss of Value
Coverage Denied: Residence Premises Requirement Bars Claim Despite Premiums and Initial Payment
Kelly Phan | Marshall Dennehey Two years prior to Evelyn Pitts’ death, she placed her property in a revocable living trust, entered an assisted living facility and then rented her property to tenants. After Evelyn’s passing, her son reported water damage to the property to Universal Property & Casualty Insurance Company. Universal initially extended coverage… Continue reading Coverage Denied: Residence Premises Requirement Bars Claim Despite Premiums and Initial Payment
Dents Don’t Count: Court Clarifies Hail Damage Coverage
Joshua Tumen | Property Insurance Law Observer In Cannon Falls Area Schools v. Hanover American Insurance Company (2025 WL 2976533 (D. Minn. 2025)), the United States District Court for the District of Minnesota held that a property insurer properly denied coverage pursuant to a cosmetic damage exclusion because hail indentations to roofs affected only their appearance, not… Continue reading Dents Don’t Count: Court Clarifies Hail Damage Coverage
Smaller Hail May Be More Damaging to Roofs Than Once Believed, Study Shows
William Rabb | Claims Journal A study by the Insurance Institute for Business and Home Safety found roof damage from smaller hailstones may be much more significant than previously believed. It’s a finding that one plaintiffs’ lawyer has already cited as potential support for roof claims. “This data challenges long-standing opinions by insurance company experts… Continue reading Smaller Hail May Be More Damaging to Roofs Than Once Believed, Study Shows