As prediction markets offer new ways to hedge catastrophe exposure, legal experts warn that event-based payouts may leave property owners and businesses facing significant coverage gaps.
Federal officials alleged that company executives and supervisors subjected employees to repeated harassment while management failed to address complaints.
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An insured's bankruptcy can halt litigation without eliminating insurance obligations, leaving carriers to navigate missing evidence, disputed settlements and unexpected financial exposure.
Automated systems generate nearly half of insurer fraud referrals, but investigators accept a much smaller share of those alerts than referrals from claims adjusters.
South Carolina investigators allege that false statements and forged medical bills supported a $223,176 insurance claim submitted to Enterprise Rent-A-Car.
Researchers developed a system that connects digital communications, financial transactions and device records to help investigators identify fraud evidence and relationships among suspects.
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Six months after a paid remediation, the stain is back. Whether that is the old leak, a new one, or a wall that was closed wet decides if you reopen the file, open a new claim, or send the owner to the contractor who did the work.
Growth on attic sheathing, crawlspace joists, or a sweating duct often has no burst pipe behind it. The inspection has to find the moisture, and the policy usually has no covered cause of loss to hang the colony on.
A failed water heater on the third floor soaks the unit below and a common wall. Which policy pays depends on the association's declaration, and each policy brings its own fungi limit.
Mold, contamination, and indoor air claims are slow, expensive, and argued over damage the policyholder can smell and the adjuster has to prove. What belongs under the fungi sublimit, what stays a water loss, and how to keep the protocol tied to the wet material.
Climate risk is reshaping how property claims are investigated, reserved, and explained to insureds. What field and desk adjusters are seeing as weather patterns shift, and how coverage analysis has to keep up when the same peril looks different year over year.
The estimate is more than a price tag. It frames the loss, drives negotiation, and often becomes the record everyone cites later. How adjusters build estimates that hold up under scrutiny, and what falls apart when the numbers cannot tell the story.
