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Vermont: First-Party Pollution Exclusions Are Not Confined to Traditional Environmental Pollution

USA - December 18 2015 Courts in a number of American states, notably California, have found that pollution exclusions in first-party policies are "inherently ambiguous"...


Arkansas Bars Depreciation of Labor When Calculating Actual Cash Value

USA - December 16 2015 Over the last few years, courts have disagreed over whether labor as opposed to materials can be depreciated when determining actual cash value...


Can You Burn the House Down and Still Recover From Your Homeowners Insurer? An Illinois Judge Says Yes!

USA - December 3 2015 Someday the editors of this blog will have to create a "Hall of Shame" for most witheringly wrong-headed pieces of first-party property insurance...


Connecticut court holds no cause of action against independent adjuster for negligence

USA - November 30 2015 The states are divided over whether an independent adjuster can be sued for negligence by the insured, and no Connecticut appellate court has ever...


Fifth Circuit: total loss amount caps insured’s recovery even under multiple policies covering different risks

USA - November 25 2015 We don't usually cover cases dealing with Standard Flood Insurance Policies (SFIPs) issued pursuant to the National Flood Insurance Program, but a...