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Calculating actual cash value, part 9: Colorado
  • Merlin Law Group, PA
  • USA
  • May 24 2015

Colorado follows the Broad Evidence Rule for the purposes of calculation of actual cash value. The relevant case on this topic is Nebraska Drillers v


Oklahoma court holds the policyholder can also be the vandal
  • Cozen O'Connor
  • USA
  • May 22 2015

Earlier this week an Oklahoma federal court addressed a mortgagee's claim for vandalism loss - a topic we also discussed in Wednesday's post. In


Bad faith and Citizens Property Insurance Corporation
  • Merlin Law Group, PA
  • USA
  • May 19 2015

A little over seven months have passed since the Supreme Court of Florida heard oral arguments from the attorneys for Citizens Property Insurance


Florida Supreme Court rules state-sponsored property insurer immune from bad faith claims
  • Maurice Wutscher LLP
  • USA
  • May 18 2015

The Supreme Court of Florida recently held that first-party insurer bad faith is not a 'willful tort,' and that, as a government entity that enjoys


Calculating actual cash value, part 8: Arizona
  • Merlin Law Group, PA
  • USA
  • May 17 2015

The Arizona Department of Insurance provides a definition of actual cash value:“Actual Cash Value usually means the sum of money required at the time


Insured property owners must “sufficiently comply” with all post-loss obligations prior to demanding appraisal
  • Berger Singerman LLP
  • USA
  • May 15 2015

The appraisal process, available under most homeowner’s insurance policies, provides an insured property owner and its insurer an opportunity to


The road to ALE, from loss to being incurred, part 5 - evidence of incurred
  • Merlin Law Group, PA
  • USA
  • May 15 2015

Recently, I had an insurer ask for so much evidence of ALE expenditure I thought the request to be extreme. My client's home (which was a rental


Five tips for lenders seeking insurance coverage for defense costs in foreclosure actions
  • Haynes and Boone LLP
  • USA
  • May 14 2015

While the worst of the housing crisis may be over, a significant number of existing foreclosures remain, and new foreclosures continue apace


Under flood policy, land is not considered insured property
  • Merlin Law Group, PA
  • USA
  • May 13 2015

Floods do all sorts of damage. One aspect of damage often overlooked is when the flood removes property from one property owner's land and deposits


Arizona court: argument that all business income loss caused by a wildfire is covered is “off base”
  • Cozen O'Connor
  • USA
  • May 12 2015

Several weeks ago in White Mt. Communities Hosp., Inc. v. Hartford Cas. Ins. Co., 2015 WL 1755372, 2015 U.S. Dist. LEXIS 50900 (D. Ariz., Apr. 17