Advise & Consult, Inc. Case: Cannon Falls Area Schools, ISD 252 v. The Hanover American Insurance Company (8th Cir. July 27, 2026) Core Issue: Interpretation of policy endorsements excluding “cosmetic damage” caused by hail to standing-seam metal roofs. Key Takeaways Background & Lower Court Ruling Following an April 2022 hailstorm, Cannon Falls Area Schools sustained… Continue reading Eighth Circuit Reinterprets “Cosmetic Damage Exclusion” in Property Insurance Claims
Tag: Property Insurance Claims
Property Insurance Claims and How to Prove Causation
Advise & Consult, Inc. A recurring issue in property insurance litigation warrants closer attention. Policyholders—and at times their representatives—often believe they understand the cause of a loss. The sequence of events appears to align. The damage is evident. The explanation seems reasonable. However, in litigation, outcomes are not determined by what appears logical. They are… Continue reading Property Insurance Claims and How to Prove Causation
Pause, Pay, or Proceed: Statute of Limitations and Filing Suit After the LA Wildfires
Keith A. Meyer and Kya R. Coletta | Reed Smith On January 7, 2025, wildfires raced across Los Angeles, forcing families to evacuate and leave their belongings and heirlooms behind. Many insureds promptly filed claims under their homeowners’ insurance. Some policyholders have already been paid their policy limits. Others continue to fight over sub-limits and… Continue reading Pause, Pay, or Proceed: Statute of Limitations and Filing Suit After the LA Wildfires
Insurance Claims and the LA Fires
Megan Carrasco and Richard Erickson | Snell & Wilmer Insurance has always been a critical backdrop in risk analysis. This is because when buying insurance, “an insured usually does not seek to realize a commercial advantage but, instead, seeks protection and security from economic catastrophe.”1 Insurance is in place for fundamental risk and loss but is… Continue reading Insurance Claims and the LA Fires
Delaware’s Supreme Court Addresses What Constitutes a “Claim for Damages”
Ezhan Hasan | Wiley Rein The Supreme Court of Delaware has held that a letter received by an insured from an attorney purporting to represent unidentified plaintiffs and forecasting future litigation did not constitute a “claim for damages” under a claims-made policy. Zurich Am. Ins. Co. v. Syngenta Crop Prot., LLC, 2024 WL 763418 (Del. Feb.… Continue reading Delaware’s Supreme Court Addresses What Constitutes a “Claim for Damages”