Property
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March 21, 2025
La. Town Tells 5th Circ. No Arbitration For Hurricane Claims
A Louisiana town seeking hurricane damage coverage urged the Fifth Circuit to uphold a Louisiana district court's decision finding an arbitration clause unenforceable, noting the Louisiana Supreme Court explicitly said it disagreed with a recent Fifth Circuit ruling that had ordered arbitration under similar circumstances.
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March 20, 2025
State Farm's Calif. Rate Request Exemplifies Long Negotiation
California regulators' provisional approval of State Farm's premium increase request following the Los Angeles fires is another step forward in an insurance reform process that insurance pros view as a negotiation that has been protracted to the detriment of consumers.
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March 20, 2025
Opioid Orders Weigh Insurers' Role In Fighting Societal Harm
Rulings barring supermarket chain Publix and drugmaker Mallinckrodt from obtaining coverage for underlying opioid claims have contributed to insurers' continued success in defining their obligations to these claims while raising the question of whether insurance is intended to help protect against widespread societal harm.
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March 20, 2025
Property Owner Demands Appraisal Of $10.5M Hail Claim
A Tennessee property owner asked a federal court Thursday to order a Travelers unit to participate in an appraisal of its hail damage claim, alleging the insurer denied coverage even though an "independent evaluation" of the owner's damages estimated that the hail damage exceeded $10.5 million.
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March 20, 2025
Insurance Litigation Week In Review
The California Department of Insurance provisionally approved State Farm's request for an emergency rate hike, a North Carolina federal court found a convicted insurance mogul's company liable for $57 million in misappropriated client funds, and the Fifth Circuit reversed an insurer's win in a bar assault coverage dispute. Here, Law360 takes a look at the past week's top insurance news.
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March 19, 2025
Law360 Announces The Members Of Its 2025 Editorial Boards
Law360 is pleased to announce the formation of its 2025 Editorial Advisory Boards.
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March 17, 2025
Insurers Fight For Arbitration In La. Hurricane Damage Dispute
A group of insurers is urging the Fifth Circuit to send its dispute with a Louisiana municipality over coverage for property damage caused by a pair of Category 4 hurricanes to arbitration, despite an opposing ruling last fall by the state's top court.
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March 17, 2025
Insurer Drops Claims That Lamp Cos.' Negligence Caused Fire
A Detroit cannabis farm and its insurance company have agreed to drop a lawsuit alleging a host of lighting and gardening equipment manufacturers negligently designed and marketed their products, after a grow lamp malfunction led to a fire that caused more than $8.5 million of damage at a grow facility.
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March 14, 2025
Calif. Insurance Chief OKs State Farm Rates Pending Hearing
The California Department of Insurance on Friday provisionally approved State Farm's request for an emergency rate hike following the Los Angeles fires, including a nearly 22% increase for homeowners, saying final approval will be contingent on the insurer justifying its request at a hearing.
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March 13, 2025
Fla. Condo Says Insurers Unfairly Handled Hurricane Claim
A Pensacola Beach condominium complex told a Florida federal court that it is entitled to recover attorney fees and other costs associated with what it alleged was its insurers' failures to fairly handle its claim for Hurricane Sally damage.
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March 13, 2025
Canada's New PM Seen As Leader Conscious Of Climate Risk
As the former central banker Mark Carney assumes leadership over Canada's government, experts are pointing to his comments on climate change risks to insurers as a watershed moment in appreciating the financial risks of a warming planet.
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March 13, 2025
State Farm Hit With Hail Damage Coverage Suit
A married couple accused State Farm Fire and Casualty Co. in Ohio federal court of wrongfully denying coverage after their home was damaged by wind and a hailstorm.
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March 13, 2025
Meet The State Rep. Working To Bring Firearm Insurance To Ill.
As state and local governments consider the ways in which insurance can be used to regulate firearm use, Rep. Bob Morgan is leading the charge in Illinois, creating a task force to bring insurance experts and other related leaders together to formulate liability insurance for firearm owners. Here, Law360 speaks with Morgan as he works to discover whether a stand-alone policy or special endorsement can be used by individuals to promote safer firearm practices within the state.
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March 13, 2025
Insurance Litigation Week In Review
Progressive's $48 million settlement for underpaying New York drivers was finalized, insurers escaped covering opioid litigation and claims, Viacom and National Amusements Inc. got to continue their quests for coverage of shareholder litigation, and California state legislators discussed insurance rates after the wildfires.
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March 12, 2025
Insurance Pros Urge Calif. Lawmakers To Address Fire Risks
Insurance experts in a committee hearing that largely summed up concerns following the Los Angeles fires urged California lawmakers on Wednesday to address rising physical risks, smoke damage complaints, and regulations meant to expand coverage access.
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March 12, 2025
Construction Co. Must Face Insurer's $7M Iron Plant Fire Suit
A construction company can't avoid an AIG unit's $7 million subrogation suit over a fire at an iron processing plant, a Texas federal court ruled, saying the insurer sufficiently stated a claim for negligence.
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March 11, 2025
La. Eatery Must Litigate Hurricane Coverage Under NY Law
A New Orleans restaurant must litigate its hurricane damage claims against its insurer under New York law, a New York federal judge ruled Tuesday, rejecting the restaurant's position that Louisiana law must apply instead despite the policy's New York choice-of-law and forum selection provision.
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March 10, 2025
4th Circ. Reverses $10M Coverage Cap For Aluminum Co.
The Fourth Circuit on Monday reversed a lower court's ruling capping an aluminum supplier's total recovery for losses related to a fire at $10 million, saying a molten material endorsement in the company's all-risk policies is ambiguous.
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March 07, 2025
Condo Says Insurer Is Delaying $2M Hidden Damage Claim
A condo owners association told a Washington federal court that its insurer is deliberately delaying investigation and payment of its claim for over $2 million in hidden rain damage to its Seattle property, saying the carrier is trying to run out the limitations period in its policies.
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March 07, 2025
False Policy Info Tanks Property Owner's Coverage Suit
A New York federal judge ruled that an insurer doesn't have to cover a property owner and manager embroiled in a dispute with Vrbo tenants who fell through the balcony of a South Carolina condo, because the owner lied to the carrier and said it didn't offer short-term rentals.
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March 06, 2025
Federal Insurance Monitor In Crosshairs Amid Executive Cuts
Republicans on the state and federal level are targeting the U.S. Department of the Treasury's insurance monitor amid President Donald Trump's effort to drastically reduce the size of the federal workforce across many departments, putting the future of the monitor and its work in doubt.
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March 06, 2025
Fla. Report Draws Serious Accusations Of Insurer Misconduct
A Florida analysis showing that carriers in the state were reporting millions in income losses while affiliated companies were earning billions is helping to reveal a long-standing pattern of insurer misconduct, according to consumer advocates.
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March 06, 2025
Insurer's 9th Circ. Procedural Win Highlights Appraisal Rules
A Ninth Circuit panel affirmed that a property owner could not litigate its insurer's failure to pay for losses before a required appraisal to resolve disagreements, highlighting the importance of appraisal provisions and how they could limit potential policyholder challenges. Here, Law360 speaks to Colin Kemp, an insurance recovery attorney for Pillsbury Winthrop Shaw Pittman LLP, about Mount Vernon Specialty Insurance Co.'s procedural victory and its implications for coverage challenges.
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March 06, 2025
Experts Stress FAIR Tweaks After NM Proposes Fire Insurance
The announcement of a study looking into the creation of a state-sponsored fire insurance program in New Mexico outlined steps the state is taking toward enhancing its insurance market while underscoring the need for changes to the state's Fair Access to Insurance Requirements Plan and mitigation practices, experts say.
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March 06, 2025
Cobalt Miner Gets OK For Debt-For-Equity Swap Ch. 11 Plan
A Texas bankruptcy judge Thursday approved the reorganization plan of Australia-based cobalt mining and refining group Jervois Mining Ltd., overruling a shareholder objection about the case's speed and U.S. ties.
Expert Analysis
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The 7th Circ.'s Top 10 Civil Opinions Of 2024
Attorneys at Jenner & Block examine the most significant decisions issued by the Seventh Circuit in 2024, and explain how they may affect issues related to mass arbitration, consumer fraud, class certification and more.
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Insurance Considerations For LA Wildfire Recovery
Businesses and homeowners affected by the destructive Southern California wildfires must act swiftly and strategically to navigate the complexities of the insurance recovery process, including by identifying all applicable policies, documenting damage thoroughly and keeping abreast of relevant state law, say attorneys at Morgan Lewis.
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Artfully Conceding Liability Can Offer Defendants 3 Benefits
In the rare case that a company makes the strategic decision to admit liability, it’s important to do so clearly and consistently in order to benefit from the various forms of armor that come from an honest acknowledgment, says Ken Broda-Bahm at Persuasion Strategies.
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LA Wildfires' Effect On Calif. Insurer Of Last Resort
Attorneys at Willkie discuss the background of California's insurer of last resort — known as the Fair Access to Insurance Requirements Plan — and examine the process of assessing member insurers and relevant recent property insurance market developments in light of the destruction from the ongoing Los Angeles wildfires.
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5 Litigation Funding Trends To Note In 2025
Lawyers and their clients must be prepared to navigate an evolving litigation funding market in 2025, made more complicated by a new administration and the increasing overall cost of litigation, says Jeffery Lula at GLS Capital.
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4 Property Insurance Action Steps For LA Policyholders
Property insurance will play a vital role in rebuilding the areas affected by the Los Angeles wildfires, and policyholders should be aware of key aspects of that coverage in order to maximize their insurance recovery, say attorneys at Cohen Ziffer.
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Rethinking Litigation Risk And What It Really Means To Win
Attorneys have a tendency to overestimate litigation risk before summary judgment and underestimate risk after it, but an eight-stage litigation framework can clarify risk at different points and help litigators reassess what true success looks like in any particular case, says Joshua Libling at Arcadia Finance.
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6 Predictions For Cyber Risk And Insurance In 2025
This year is likely to bring with it some thorny and expensive cyber challenges, including increased ransomware activity, more data breach class actions and continued efforts to define business interruption loss calculations, say attorneys at Wiley.
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Defense Strategies For Addressing Conspiracy-Minded Jurors
As conspiracy theories continue to proliferate and gain traction in the U.S., defense attorneys will need to consider ways to keep conspiracy-minded jurors from sitting on the jury, and to persuade them when this isn’t possible, say consultants at IMS Legal Strategies.
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Surprise NC COVID Ruling Revises Reasonable Expectations
The North Carolina Supreme Court's recent finding in favor of policyholders in a suit for business interruption coverage due to COVID-19 shutdown orders runs contrary to most other state and federal courts' holdings on the issue, and may revitalize the reasonable expectations doctrine in the state, say attorneys at Goldberg Segalla.
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How Trial Attys Can Wield Amended Federal Evidence Rules
Trial lawyers should assess recent amendments to four Federal Rules of Evidence and a newly enacted rule on illustrative aids to determine how to best use the rules to enhance pretrial discovery and trial strategy, says Stewart Edelstein, former litigation chair at Cohen & Wolf.
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Identifying Deepfakes During Evidence Collection, Discovery
Excerpt from Practical Guidance
Attorneys must familiarize themselves with the tools used to create and detect deepfakes — media manipulated by artificial intelligence to convincingly mimic real people and events — as well as best practices for keeping this fabricated evidence out of court, says Bijan Ghom at Saxton & Stump.
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1 Year After Rule 702 Changes, Courts Have Made Progress
In the year since amendments to the Federal Rules of Evidence went into effect, many federal judges have applied the new expert witness standard correctly, excluding unreliable testimony from their courts — but now state courts need to update their own rules accordingly, says Lee Mickus at Evans Fears.