Texas Jury Finds LSD did not Cause Spinal Injury, Requires Occidental to Pay HO Limits

When does a hallucinogenic drug become the direct cause of a catastrophic injury, triggering a homeowners’ policy exclusion? Not when a young man falls out of bed and is later moved by his comrades, potentially worsening a spinal injury, a Houston federal jury decided Tuesday. The verdict requires Occidental Fire & Casualty Co. of North … Read more

Missouri Insurance Department Report Highlights Cost and Lack of Coverage in High-Risk Areas

The Missouri Department of Commerce and Insurance (DCI) issued an Earthquake Survey in December 2023 that shows a lack of understanding about risk and insurance coverage is a problem, while the cost and lack of available earthquake insurance coverage in high-risk areas of the state continues to be the primary issue. The Earthquake Insurance Market … Read more

Father in Gender-Reveal That Sparked Fatal 2020 California Wildfire Pleads Guilty

A man whose family’s gender reveal photo shoot sparked a Southern California wildfire that killed a firefighter in 2020 has pleaded guilty to involuntary manslaughter, prosecutors said. The El Dorado Fire erupted on Sept. 5, 2020, when Refugio Jimenez Jr. and Angelina Jimenez and their young children staged a photo shoot for their baby gender … Read more

The Hartford to Discontinue Writing New Homeowners Policies in California

The Hartford confirmed this week it will discontinue writing new homeowners policies in California. The carrier reportedly has less than 1% of the state’s homeowners market. The Hartford issued the following statement follwing a request for comment for this article: “The homeowners’ insurance environment in California has unique challenges that have required us to reconsider … Read more

911 Calls From Maui Capture Pleas For Stranded, and Those Caught in Fire’s Chaos

The day after the deadliest U.S. wildfire in a century destroyed a seaside community on Maui, the barrage of 911 calls didn’t stop: Reports of missing people, stranded family members and confused tourists trapped without food or water lit up the emergency lines every few minutes, interspersed with reports of new fires starting and older … Read more

Hawaii Electric’s Insurance is Fraction of Potential Fire Claims

Nearly two months after the deadly Maui wildfires, Hawaiian Electric Co. revealed the limited scope of insurance coverage it holds in the face of potentially billions of dollars in damage claims. Hawaiian Electric has $165 million in annual general liability insurance, according to a filing with state regulators, compared with the $4.9 billion in potential … Read more

Reinsurance Solution Would Help Homeowners Exposed to Wildfires Face the Challenge

Wildfire has become an increasingly challenging threat in many Western States. With an ever-increasing frequency and intensity, this continues to pose a serious threat to lives and properties across the exposed area. Wildfires are occurring earlier in the season and emphasizes the longer period it takes to suppress and the greater losses it inflicts in … Read more