Does Ordinance or Law Coverage Apply to Rot?
A homeowner experienced a wind and hail claim to his roof and it was found that some of the decking was rotting. Local building code says rotting decking should be replaced.
Claims
Property & Casualty Forecast: Personal Auto to Improve, General Liability a Weak Spot
The U.S. property & casualty insurance market is exhibiting mixed results in 2025, with personal auto on track to achieve profitability but homeowners and general liability segments continuing to experience losses.
Personal and Commercial Lines Rates Continue to Rise in 2025
In the second quarter of 2025, personal lines rates rose by 4.6% and commercial lines rates rose 2.8%.
Does a Rental Car Have Other Than Collision Glass Coverage from a PAP?
A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.
Fourth of July: Warn Homeowners About These 3 Risks
Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.
Homeowners Aware of Risks and Prevention but Don’t Act
While most homeowners are familiar with common risk areas and the technologies designed to mitigate them, relatively few have implemented these solutions in their own homes, according to The Hanover.
Employee and Family Injured in Company Car: How Do PIP, PAP, BAP and Workers Comp Interact?
If an employee drives a regularly furnished company car and the employee and family members are injured in an accident while using that car, how is that claim covered?
Roof Claim Costs Increased 30% from 2022 to 2024
Roof repair and replacement cost value totaled nearly $31 billion in 2024, according to a report from Verisk.
Homeowners Repair Cycle Length Reaches All-Time High
Homeowners claims are taking longer to resolve than ever before with the average claim cycle time—from filing the claim to finished repairs—now 32.4 days, says J.D. Power.
AN Radio: Preparing for the Storm and Flood Insurance Strategies
Brian Chapman, agent and owner of Chapman Insurance in Florida, sits down with Cassie Masone, vice president of flood operations at Selective Insurance.
