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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…