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  1. Critical PHP Security Flaws Trigger Emergency Patches

    Two newly disclosed vulnerabilities could allow attackers to take control of vulnerable web servers or access sensitive data. Organizations are being urged to apply emergency PHP updates as exploitation attempts emerge.

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  3. Global Catastrophe Losses Reach $92 Billion

    Gallagher Re reports below-average insured catastrophe losses through September 2026, even as severe storms, hail and drought generate billions in claims across major insurance markets.

  4. Fraudulent Broker Loses 90 Luxury Cars

    A Texas insurance broker who collected premiums without issuing policies and defrauded investors through a fictitious loan program has been sentenced to more than 13 years in prison. Federal authorities are selling his seized car collection to help repay victims.

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  • When the Mold Comes Back

    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.

    Chris Walters
  • Mold Nobody Spilled

    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.

    Chris Walters
  • The Wall Between Two Units

    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.

    Chris Walters
  • The Invisible Damage

    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.

    Vol. 4 · Issue 8
  • Adjusting for a Changing Climate

    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.

    Vol. 4 · Issue 7
  • The Estimate Is the Argument

    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.

    Vol. 4 · Issue 6