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 Certain Underwrites of Lloyd’s London issued a builder’s risk policy to Historic Round Hill Summit covering two buildings, Rogers Hall and Hubbard Hall, that Historic had purchased to renovate.  PeoplesBank, which held an mortgage on the property, was an additional insured under a mortgage holder endorsement.  A fire destroyed Rogers Hall and caused extensive damage to Hubbard Hall.  Lloyd’s asserted that…

I recently saw on a
Facebook group I belong to advice for victims of the California fires and how
they can maximize their insurance claims. The advice was dreadful. It included,
“Make from memory the most detailed list you can of every item in your house
that was destroyed, and its value.”

This is terrible
advice.

One of my
specialties…

Fire at house homeowner had just purchased and not yet moved intoAwilda Pimental closed on a new home on June 28, 2022.  She purchased a homeowner’s policy from AmGuard Insurance Company that went into effect on the closing date, that included coverage for fire losses.On July 22, 2022, before Pimental moved into her house, a fire significantly damaged it.  …

Sure, Steward Health Care has created a public health care emergency, but at least it has prevailed in an insurance coverage dispute. A storm in June 2020 caused an accumulation of rainwater on a rooftop courtyard and on roofs of Norwood Hospital. The rainwater seeped into the interior of the hospital buildings, causing significant damage.Norwood Hospital’s owner, Medical Properties Trust,…

 On May 24, 2024, the Town of Braintree filed a lawsuit in Suffolk County Superior Court against fifteen insurers, as well as insurance companies Does 1 though 50, for refusing to defend and indemnify it in a massive wrongful conviction lawsuit.The Town alleges that the insurers have each either refused to acknowledge or outright denied their contractual obligations under liability…

 Source One Financial Corporation sued Commerce Insurance Company and its adjuster in a dispute arising out of the value of a totaled vehicle.  Source One sought to amend the complaint by adding Commerce’s vehicle appraiser and her company as defendants, asserting that they exceeded their authority as appraisers and worked with Commerce to artificially suppress the value of the totaled…

 I am pleased to say that reason has prevailed in the First Circuit.  I am generally pretty sanguine about insurance coverage decisions (except on my own cases, of course). I might disagree with the outcomes, but . . . the vagaries of the court system, yada yada yada.But every once in a great while I come across a decision that I…