SDV Insights

Natural Disasters Insights

Surviving a Tornado - How to Navigate Insurance Claims in the Wake of the Recent Connecticut Storm

Five minutes after I parked my car, a tree fell on it. On Tuesday, May 15th I pulled into my driveway, in my small Connecticut neighborhood, under a grey sky. As soon as I walked in the house, the lights flickered. And then suddenly there was a loud "Crack!" and "Crash!" and the sound of breaking glass. I looked out the window and trees were bent 90 degrees, then snapping, and then flying up instead of falling down.

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Like Water For Chocolate: Insurer Prevails Over Chocolatier In Hurricane Sandy Claim

Recently, a New Jersey Magistrate ruled that an insurer did not have to provide coverage for a chocolatier's property damage and business interruption losses due to Hurricane Sandy.

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Property Damage in Texas? File Your Claim Before 9/1

As Hurricane Harvey leaves its destructive mark on Texas, policyholders are left to pick up the pieces. Coincidentally, a new Texas law scheduled to take effect on September 1 could limit your insurance recovery.

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Hurricane Harvey Alert: Understanding Insurance Coverage and the Immediate Steps Risk Managers Must Take to mitigate a loss and prepare a claim

Hurricane Harvey will test many risk managers' insurance programs and response plans as it's been over 10 years since a major hurricane made landfall in the U.S.

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State Supreme Court Cases Highlight Importance of Wording in Earth Movement Exclusions

In Erie Insurance Property and Casualty Company v. Chaber, the West Virginia Supreme Court recently held that an insurance policy's earth movement exclusion was unambiguous and applied to both manmade and natural earth movement. The Court also found that a narrow "ensuing loss" exception to the exclusion that provided coverage for glass breakage resulting from earth movement could not be extended to cover the entire loss.

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Fla. Policyholders Gain Slight Edge In Property Damage Cases

In breaking news yesterday, LAW360.com posted "the Florida Supreme Court ruled that policyholders may obtain coverage for an entire property insurance claim where there are multiple concurrent causes of loss and at least one is covered under a policy.

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Texas Supreme Court to Determine Scope of Statutory Bad Faith

Over the past decade, a barrage of severe storms in Texas resulted in significant property damage, giving rise to thousands of lawsuits by policyholders for breach of contract and bad faith claims against their insurers. Now, the Texas Supreme Court is poised to determine the scope of the state's bad faith statute.

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Making an Insured Whole Entails More Than a Patch Job

New England is well known for its erratic weather patterns. At its worst, such weather can lead to substantial property damage.

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