Expert Viewpoints

When ‘We Accept’ Becomes A Contract: A Claims Lesson From Farmers V. Wood

Claims files often describe settlement as a sequence: obtain authority, communicate acceptance, issue the check, secure the release and close the claim. Operationally, that sequence makes sense. Legally, however, the... Read More

A Defensible Framework for Post-Wildfire Smoke Damage Claims

In today’s wildland–urban interface (WUI) losses, the question is often more complex than simply “burned versus not burned.” An increasing number of claims involve non-thermal impacts, including smoke infiltration and... Read More

Presented by Hodson PI

Beyond the Screenshot: What Claims Professionals Should Expect From Digital Evidence Preservation

Online evidence has a way of disappearing. A post can be edited, a story can expire, or an account can... Read More

The Integrity Deficit: The Promise and The Erosion

Editor’s note: This is the first installment in a four-part series on the erosion of integrity in property claims. Part... Read More

What Home Age Actually Tells Us About Claims — And What It Doesn’t

Looking at non-catastrophe claims that closed with a payment last year, the median paid loss hovered around $9,000 regardless of... Read More

Montgomery v. Caribe Increases Litigation Activity, Not Shipper Exposure

A recent Supreme Court decision that is widely viewed as a significant development in transportation litigation is particularly worth examining... Read More

AI Is Reshaping Insurance: What Claims Pros and Lawyers Must Know Now

Artificial intelligence has become a significant industry trend that is here to stay. Insurers no longer use AI as an... Read More

The Future of Appraisal and the Rising Standard of Competency

In property/casualty insurance, appraisal has long existed as a mechanism to resolve disagreements over the amount of loss. For decades,... Read More

The Field Inspection Gap: A Growing Structural Risk in Claims Handling

In property/casualty claims, the initial inspection does more than document damage. It establishes the foundation for how the claim will... Read More

Aggregate Limits Do Not Apply to Environmental Claims, Ninth Circuit Rules

In the case of County of San Bernardino v. Insurance Company of the State of Pennsylvania, the Ninth Circuit recently... Read More

State Regulatory Surge, Federal Shifts Reshaping Workers’ Comp

Workers’ compensation is entering a period of heightened complexity as regulatory changes and policy shifts continue to unfold across federal... Read More