In BonBeck Parker, LLC v. Travelers Indemnity Co. of America, 14 F.4th 1169 (10th Circ. 2021) the Court held that the Travelers’ policy permitted either party to request an appraisal on “the amount of loss,” which was a phrase with an ordinary meaning in the insurance...
Courts are split on the question of whether it is permissible to depreciate labor costs when determining actual cash value (“ACV”). The Illinois Supreme Court’s decision in Sproull v. State Farm Fire and Casualty Co., 184 NE 3d 203 (Ill. 9/23/21), affirming the...
Under California Civil Code §2860 (hereafter, “§2860”), insureds have a right to obtain independent counsel at the insurer’s expense whenever there are competing interests that create an ethical conflict for the insurer-appointed counsel. Since enactment, the...
Standard property policies typically contain an exclusion which provides that the insurer “will not pay for loss or damage caused directly or indirectly by . . . water that backs up or overflows from a sewer, drain, or sump.” A reasonable reading of that language...
An Oregon District Court in Thompson v. Dennis Widmer Construction, Inc., 2021 WL 5235974 (D. Or., November 10, 2021) limited the insurance company’s ability to access defense counsel’s complete defense file through the tri-partite relationship. The case involved the...
The Kentucky Supreme Court, on first impression, addressed a property exclusion involving damage intentionally caused by an insured whose mental capacity was in question. See Foreman v. Auto Club Property-Casualty Insurance Co., 617 S.W.3d 345 (Ky. 2021). The...
In Savoie v. Enco Insulations, Inc., 322 S.3d 1264 (La. App. 1st Cir. 4/9/21), the Court found that a CGL policy issued to an engineering corporation excluded coverage for executive officers for claims arising from a former employee’s lung cancer that developed after...
In response to a certified question from a federal district court, the South Carolina Supreme Court held in Butler v. Travelers Home & Marine Insurance Co., 858 S.E.2d 407 (S.C. 2021) that insurance companies were entitled to include depreciation of embedded labor...
Recently, the Court in Husel v. Trinity Health Corp., 2020 WL 95797 (E.D. Mich. 1/8/20), unpublished Case No. 19-CV-12478 *Affirmed by Sixth Circuit, 832 Fed. Appx. 996 (Jan. 6, 2021) held that a medical malpractice policy did not require the insurer to provide a paid...
Recently, the Iowa Supreme Court held that a repair contractor who was acting as an unlicensed public adjuster was barred from obtaining compensation from the homeowner’s property insurer. In 33 Carpenters Construction, Inc. v. State Farm Life and Casualty, 939 N.W.2d...