Property
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December 17, 2024
Insurers Freed From Multivehicle House Collision Row
The Michigan Court of Appeals reversed a lower court's decision, finding that the insurers of vehicles damaged during a 2019 semitruck accident were not responsible for paying for a home that was also destroyed in the incident because the other cars' involvement in the melee was secondary.
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December 16, 2024
11th Circ. Says Citrus Grower's Coverage Row Was Ripe
A citrus grower's bid for damages from its insurer in connection with environmental remediation costs was ripe, the Eleventh Circuit said, reviving the case after finding that a Florida district court wrongly dismissed it by conflating the issue of ripeness with the merits of the grower's claims.
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December 16, 2024
Minn. Panel Revives $1.5M Fire Loss Row Against State Farm
A Minnesota state appeals court revived a property owner's $1.5 million bid for additional coverage over a building fire, finding Monday that while state law and the owner's State Farm policy required it to sue within two years of the loss, that requirement didn't extend to the owner's appraisal demand.
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December 16, 2024
Vegetable Co. Seeks $5M Policy Limit For Facility Fire
A Pacific Northwest vegetable processor said its insurer owed the full $5 million limit of its policy after a fire broke out at a Washington state facility and caused over $73 million in property damage and business income losses combined, according to a complaint removed to federal court.
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December 16, 2024
Sempra Policies Too Old For $1.8B Leak Coverage, Court Told
An insurer told a California federal judge to end Sempra Energy's bid to obtain coverage in connection with a nearly $1.8 billion settlement over the largest natural gas leak in U.S. history, claiming its policies expired before any alleged injuries occurred.
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December 13, 2024
La. Judge Won't Reopen Hurricane Damage Case
A Louisiana federal judge has declined to reopen litigation over millions of dollars of hurricane damage in light of new precedent from the state's top court on the arbitration of such disputes, citing conflicting guidance from the Fifth Circuit.
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December 13, 2024
Philadelphia Eagles Can't Revive COVID-19 Coverage Suit
A Pennsylvania federal judge refused to reconsider the Philadelphia Eagles' bid for COVID-19 loss coverage Friday, saying that although the football team thought it "made a clean pass for coverage," there would be no touchdowns scored against its insurer in court.
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December 13, 2024
NC Justices Topple Insurer Victory In COVID Coverage Battle
The North Carolina Supreme Court handed policyholders a rare win Friday in their bid to get property insurance coverage for their pandemic-related business interruption losses, unanimously finding that the insuring phrase "direct physical loss" included the loss of use of property due to COVID-19 public health orders.
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December 12, 2024
BIPA Ruling Split Muddies Policyholders' Hopes For Relief
Two opposing district court decisions on the application of a law limiting damages under an Illinois biometric privacy law marked a setback for policyholders searching for relief from an avalanche of litigation that has posed a challenge to coverage.
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December 12, 2024
Insurer Owes Defense In Faulty Landscaping Row, Court Told
A contractor facing claims it did faulty irrigation and landscaping work told a Florida federal court that its commercial general liability insurer must defend it, saying while the insurer declined additional insured coverage to the underlying claimant, it still hasn't communicated a coverage position with the contractor.
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December 12, 2024
Insurance Litigation Week In Review
Sherwin-Williams was denied lead paint abatement coverage, a tribal court will hear its first COVID-19 loss case, a tree chop in Georgia isn't insurable and Regal Cinemas can't get coverage for its pandemic-related losses. Here, Law360 takes a look at the past week's top insurance news.
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December 12, 2024
Recent M&A Surge Signals Boon In Reps & Warranties Market
An expected surge in mergers and acquisitions under President-elect Donald Trump's business-friendly agenda points to a positive outlook for an evolving representations and warranties insurance market, experts say, bringing welcome growth following a recent slump in M&A activity.
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December 11, 2024
Dutch Duo Beats Insurer's Claims Of Poor Greenhouse Design
Neither a Dutch greenhouse builder nor designer were responsible for the failure of a Michigan produce farm's $14.1 million greenhouse, a federal judge ruled, granting an early win to the pair in an insurer's subrogation suit seeking coverage for a storm loss.
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December 10, 2024
Wash. HOA Can't Get Early Win Bid In Water Damage Row
A homeowners association for a Seattle-area condominium complex can't yet prevail on its bad faith claims against its insurer over coverage for extensive water damage, a Washington federal court ruled, finding a material factual dispute over whether the association filed its coverage action within its policy's two-year suit-filing deadline.
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December 10, 2024
NY AG Refuses To Drop $489M Fraud Case Against Trump
The office of New York Attorney General Letitia James has announced it won't drop its civil financial fraud case against President-elect Donald Trump, two of his sons, his companies and their executives, saying his upcoming inauguration has no bearing on litigating his appeal of the $489 million judgment.
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December 10, 2024
Insurer QBE Settles Suit Over Failed $18M Wind Support Deal
Belgium-based insurer QBE Europe has settled a lawsuit accusing it of wasting available policy limits on pointless litigation rather than make a reasonable offer in a separate $18 million dispute over a failed wind support vessel deal, according to a Tuesday filing.
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December 09, 2024
Insurer Sues Golf Cart Seller Over Injury Suit Coverage
The insurer to a golf cart manufacturer and seller is asking a Florida federal court to declare that it does not have to defend the company from claims it contributed to a collision that seriously injured a minor.
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December 09, 2024
9th Circ. Tosses Regal Cinemas' COVID Coverage Suit
Regal Cinemas cannot get coverage for its losses stemming from the COVID-19 pandemic, the Ninth Circuit ruled Monday, finding that a decision from New York's top court, along with a contamination exclusion, doomed any chance of coverage under the theater chain's policies with units of Allianz, Liberty Mutual and Zurich.
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December 09, 2024
Metal Co. Says Liberty Mutual Owes $1.1M For Hail Damage
A Texas metal fabrication company said it is owed more than $1.1 million from Liberty Mutual, telling a federal court Monday that the insurer improperly refused to pay out a claim for hail damage after a September 2023 storm.
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December 05, 2024
Premium Concerns Centered In Calif. Reinsurance Hearing
California insurance regulators heard consumer concerns over high premiums during a public hearing Thursday as advocacy groups and insurance industry lobbyists offered thoughts on a proposal to allow insurers to pass down the cost of their own disaster coverage.
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December 05, 2024
Property Insurance Policyholders See Hope Amid Headwinds
In a year filled with property insurance challenges ranging from rising rates to limited availability, some policyholders saw gains in favorable state high court decisions, easing regulatory landscapes and insurer accountability.
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December 05, 2024
Insurance Litigation Week In Review
The Delaware Supreme Court will review 3M's bid for coverage in multidistrict litigation over defective earplugs, a California state appeals court relieved an insurer of covering a spa owner in an underlying sex abuse lawsuit, and a group of Hartford units said Proctor & Gamble isn't covered for underlying environmental lawsuits.
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December 05, 2024
Insurer Beats Vegas Casino's COVID-19 Coverage Bid
The insurer of a Las Vegas hotel and casino did not breach its contract when it denied the resort's request for COVID-19 coverage, a Nevada federal court ruled, finding that a previous order conflicts with a state supreme court decision regarding coverage for pandemic-related losses.
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December 04, 2024
P&C Insurers Post $4.1B Underwriting Gain In Big Reversal
The U.S. property and casualty insurance market recorded a $4.1 billion net underwriting gain in the first nine months of 2024, according to a report issued Wednesday by global credit rating agency AM Best, which called the turnaround a significant improvement from the prior year's $32.1 billion loss.
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December 04, 2024
Farmers Insurance Off Hook In Homeowner's Fire Loss Appeal
A California homeowner who alleged that an agent underinsured her scorched $3 million Malibu home cannot blame Farmers Insurance, a state appeals court affirmed, finding in a published opinion that the agent acted independently when obtaining a policy via a fire insurance pool for her client.
Call To Scrap Insurance Monitor Raises Issue Of Federal Role
A recent call from North Carolina's insurance chief to eliminate the U.S. Department of the Treasury's insurance monitor could portend trouble for the office and federal initiatives to better understand climate risks to consumers, but experts say the monitor is already limited in power.
UN Insurer Climate Risk Report Is Light On Details, Pros Say
A recent United Nations guide advising insurers on how they should plan for the risks associated with climate change offers a broad-level view of ways carriers can support net-zero goals, but experts say more detail is warranted for forthcoming reports.
Concerns Remain Over Pricing In Final Calif. Insurance Rule
Insurers in California will be able to price policies using catastrophe models meant to predict future climate risks, but they must adhere to one of several options for increasing coverage availability, under a final rule that has left lingering concerns. Here, Law360 provides a background and overview of the regulation on catastrophe modeling and ratemaking.
Expert Analysis
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When US Privilege Law Applies To Docs Made Outside The US
As globalization manifests itself in disputes over foreign-created documents, a California federal court’s recent trademark decision illustrates nuances of both U.S. privilege frameworks and foreign evidentiary protections that attorneys must increasingly bear in mind, say attorneys at Hunton.
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4 Holiday Movies Full Of Cheer And Subrogation Scenarios
While holiday movies are known for spreading cheer and inspiring nostalgia, for insurance professionals they may also offer an unlikely, yet fascinating, look at subrogation recovery potential, says Dana Meyers at Cozen O'Connor.
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How Attorneys Can Master The Art Of Eye Contact At Trial
As a growing body of research confirms that eye contact facilitates communication and influences others, attorneys should follow a few pointers to maximize the power of eye contact during voir dire, witness preparation, direct examination and cross-examination, says trial consultant Noelle Nelson.
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Teaching Your Witness To Beat The Freeze/Appease Response
In addition to fight-or-flight, witnesses may experience the freeze/appease response at trial or deposition — where they become a deer in headlights, agreeing with opposing counsel’s questions and damaging their credibility in the process — but certain strategies can help, says Bill Kanasky at Courtroom Sciences.
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Think Like A Lawyer: 1 Type Of Case Complexity Stands Out
In contrast to some cases that appear complex due to voluminous evidence or esoteric subject matter, a different kind of complexity involves tangled legal and factual questions, each with a range of possible outcomes, which require a “sliding scale” approach instead of syllogistic reasoning, says Luke Andrews at Poole Huffman.
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What Insurers Need To Know About OFAC's Expanded FAQs
The Office of Foreign Assets Control's recently expanded insurance FAQs clarify how OFAC views insurance policies in a number of specific circumstances involving sanctioned parties, and make plain that sanctions compliance is the responsibility of all participants in the insurance ecosystem, including underwriters, brokers and agents, say attorneys at Morgan Lewis.
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Nevada Justices Could Expand Scope Of Subrogation Claims
The Nevada Supreme Court's recent decision to hear North River Insurance v. James River Insurance could expand the scope of equitable subrogation claims in the state by aligning with the California standard, which doesn't require excess insurers to demonstrate damages, says Daniel Heidtke at Duane Morris.
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A View Into NY's New Business Interruption Insurance Law
In response to businesses' economic challenges during the pandemic, New York recently allowed the issuance of stand-alone business interruption insurance coverage, and while pricing and insurer participation questions remain, the product stands to benefit business owners and the state economy, say attorneys at Saxe Doernberger.
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California Supreme Court's Year In Review
Attorneys at Horvitz & Levy highlight notable decisions on major questions from the California Supreme Court's last term, including voter initiatives, hostile work environment and the economic loss rule.
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8 Tech Tips For Stress-Free Remote Depositions
Court reporter Kelly D’Amico shares practical strategies for attorneys to conduct remote depositions with ease and troubleshoot any issues that arise, as it seems deposition-by-Zoom is here to stay after the pandemic.
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Hurricane Coverage Ruling Clarifies Appraisal Scope In Fla.
In a case involving property insurance for hurricane damage, a Florida federal court recently enforced policy limits despite an appraisal award exceeding those limits, underscoring the boundaries between valuation and coverage — a distinction that provides valuable guidance for insurers handling post-catastrophe claims, says Tiffany Bustamante at Cozen O’Connor.
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4 Ways Attorneys Can Emotionally Prepare For Trial
In the course of litigation, trial lawyers face a number of scenarios that can incite an emotional response, but formulating a mental game plan in advance of trial can help attorneys stay cool, calm and collected in the moment, says Rachel Lary at Lightfoot Franklin.
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Presidential Campaign Errors Provide Lessons For Trial Attys
Vice President Kamala Harris’ presidential campaign employed numerous strategies that evidently didn’t land, and trial attorneys should take note, because voters and jurors are both decision-makers who are listening for how one’s case presentation would affect them personally, says Reuben Guttman at Guttman Buschner.