A while back, I was involved in a case where some electricians had installed solar panels on the roof of a building to generate electricity. A few years after it was installed, there was a fire. Nobody really disputed how it happened; some rodent, most likely a squirrel, had been gnawing on electrical wires underneath…
As a historic and deadly wave of severe weather events continues to batter the U.S. Midwest, the insurance and reinsurance industries are bracing for more than $5 billion in losses, making this one of the most significant natural disaster events of 2025. Tornadoes, torrential rains, flooding, and destructive winds have brought widespread destruction to communities…
The 2023 Maui Wildfires: An Overview On August 8, 2023, multiple wildfires ignited across Maui, with the most catastrophic blaze engulfing Lahaina, a historic town on the island’s northwest coast. The fires were exacerbated by dry, gusty conditions created by a strong area of high pressure to the north and Hurricane Dora passing to the…
When homeowners hire roofing contractors to repair or replace their roofs, they expect professionalism and care. However, water damage caused by a roofer’s failure to protect a roof during inclement weather is a common and costly problem. For Insurance carriers pursuing subrogation, overcoming the defenses asserted by roofers, including claims that roofing work cannot always…
A study conducted by scientists at the University of Miami has revealed that almost three dozen high-rise condos and luxury hotels along the beach in South Florida are sinking, and insurance companies are on high alert. To be exact, thirty-five buildings, including both luxury hotels and condominiums, have sunk between one to three inches in…
Recognizing, investigating, and aggressively pursuing subrogation potential is a very important part of claims and subrogation professionals’ day-to-day responsibilities. But doing so carelessly is not without its traps, pitfalls, and consequences. Claims handlers who also wear a subrogation hat must delicately balance the exigent need for an insured to get his burned dwelling or structure…
On July 25, 2020, a man named Wesley Little showed up at the front door of Vicki Baker, who was a long time resident of McKinney, Texas. Little had a 15 year-old girl with him when he knocked on the door. Only Vicki’s daughter, Deanna Cook, was home at the time. She recognized Little because…
California is facing particularly severe wildfires this fall, with multiple fires raging across the state. These fires have led to widespread damage, including property loss, environmental destruction, and health hazards. On September 8, the Bridge Fire began in the Angeles National Forest. It exploded in size to over 50,000 acres, the cause of which is…
A Texas House Committee confirmed last week that a rotting and decayed utility pole that broke, causing power wires to fall on dry grass in the Texas Panhandle on February 26, sparked the Smokehouse Creek Fire, the largest and costliest wildfire in Texas history, and the largest U.S. wildfire in 2024. This confirms our initial…
The law in Pennsylvania regarding the ability of a landlord’s property insurer to subrogate against a tenant whose negligence causes damage to the landlord’s building has been very slow to develop. But they are quickly making up for lost time. Until recently, Pennsylvania had only one case speaking to this issue. In 1990, the Pennsylvania…