The Bane of Being the Butt of Jokes

Who doesn't like a well-written judicial decision?  Especially when the case is about insurance coverage? In ECB USA, Inc. v. Chubb Ins....

'Twas The Risky Night Before Christmas -- How an Insurance Professional Reads the Classic

'Twas the night before Christmas ( 12:01 a.m. 12/25 ) and all through the house ( single family, joisted masonry, e.c.3, terr. 44, pc5 )...

New York's Revised Public Adjuster Regulation 10 (11 NYCRR Part 25)

Dropping this here.   Effective October 8, 2021 , the New York State Department of Financial Services promulgated the Seventh Amendment to ...

The Interpretation & Applicability (Or Inapplicability) of the Controlled Substance Exclusion of a Homeowners Policy (At Least in PA for the Time Being)

Although this decision is from the Pennsylvania Superior Court (intermediate appellate-level court), it's interesting enough (at least t...

Rate Evasion/Garaging Fraud -- Obtaining a Declaratory Judgment of No No-Fault Coverage Owed

NO-FAULT – AUTO POLICY  –  APPLICATION MISREPRESENATION  – RATE EVASION – GARAGING FRAUD  State Farm Fire & Cas. Co. v. AutoRx (Sup. Ct....

That or Which and the Rules of Grammar in Insurance Contract Interpretation

Those who follow me on LinkedIn know that I consider myself somewhat of a (okay, an obsessive-compulsive) grammarian.   A post to LinkedIn ...

When a Structure Can be Said to Have "Replaced" Another Structure for Replacement Cost Coverage Purposes -- The "Functional Similarity" Test

What do you think?  Can a multi-building commercial property comprising a supermarket, a wine and liquor store, a hardware store, a drug sto...