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  1. 4 Contractors Charged in Workers’ Comp Fraud

    Four contractors are accused of submitting fraudulent workers’ compensation insurance records while seeking Nassau County home improvement licenses. Separate labor enforcement cases have returned nearly $650,000 to 138 workers this year.

  2. Terrorism Coverage Under Scrutiny

    Congress is moving toward extending the federal terrorism insurance program through 2034, but certification requirements, cyber risks and exclusions in underlying policies could still determine whether losses are covered after an attack.

  3. EPA Eyes Data Center Permit Changes

    An EPA proposal would eliminate minimum federal public-notice and comment requirements for certain air pollution permits, leaving states and local agencies to determine how much public participation is required. The change comes as AI data center construction raises questions about pollution, power demand, water use and community impacts.

  4. Puerto Rico Drought Deepens

    Extreme drought covered 44% of Puerto Rico by late August after rainfall fell far below normal in parts of the territory. Water rationing, crop losses and dwindling hay supplies have accompanied local and federal disaster declarations.

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Industry Editorials

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Walk the Loss Before You Write It

Walk the Loss Before You Write It

Every estimating mistake that matters is usually a scoping mistake first. The line items, the pricing, and the software all come later. What happens during the inspection, what gets seen, measured, photographed, and asked about, decides whether the estimate that follows describes the loss or merely approximates it.

Every Line Item Is an Argument

Every Line Item Is an Argument

A challenged estimate is rarely attacked as a whole. It gets attacked one line at a time, and it survives or fails the same way. Writing line items that pass scrutiny requires knowing exactly what each entry claims, what evidence stands behind it, and how it will read to a stranger months later.

The Price List Is Not the Price

The Price List Is Not the Price

No sentence starts more arguments in property claims than the price list says. Published pricing is a starting point built from averages, and averages break down in storm surges, labor shortages, and unusual markets. Handling pricing disputes well means knowing when to hold the line and when the line is wrong.

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