Baltimore is not the first place afflicted by riots that caused coverage disputes. After the Martin Luther King riots in 1968, D.C. had a series of cases involving business interruption coverage and the government's curfew. (When I checked, I did not...

The Baltimore Sun ran an article over the weekend that discussed business interruption insurance coverage because of the riots. That article took the view that the major problem is the war exclusion. I don't see that. The real problem is the Ordinanc...

The MIA just sent out an email asking insurers to not insist on police reports in light of the widespread damage making reports not a priority. On one hand, I get this. On the other, the reason the insurers insist on police reports is partially to en...

The short answer is mostly yes.

 

Standard Homeowners coverage (ISO HO-02: Broad Form), Renters (ISO HO-04: Contents Broad Form) both cover "Riot or Civil Commotion" without definition. It's Peril #4. Obviously, depends on your policy (because on the o...

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Appraisal and Its Limits

April 25, 2018

Almost all property insurance policies contain “Appraisal” clauses. These clauses establish procedures for settling claims out of court. Here’s a samp...

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