Let the punishment be equal with the offense. -Cicero Lots of discovery responses are garbage. What to do? Consider discovery sanctions. Here's a brief primer. First, you need to determine…
Any fool can know. The point is to understand.-Albert Einstein Here are general steps you should take to file a business interruption claim in California, along with some helpful information.…
Judge a man by his questions Rather than by his answers. -Voltaire A fundamental coverage question is whether covid-19 can be considered a "physical loss or damage" to insured property.…
Amend your ways and your deeds -Jeremiah Most insurance companies will deny business interruption (BI) claims for covid-19 losses by saying there was no "direct physical loss" to insured property.…
Truth is confirmed by inspection and delay; Falsehood by haste and uncertainty. -Tacitus Business Interruption (BI) insurance protects a business from economic losses when a business cannot continue its normal…
Do not overwork to be rich; Because of your own understanding, cease! Will you set your eyes on that which is not? For riches certainly make themselves wings; They fly…
It is the nature of all greatness Not to be exact. -Edmund Burke Twenty-two years have passed since the California Supreme Court has weighed in on the nebulous concept of…
What I possess I would gladly retain. -Goethe Replacement cost coverage is an endorsement (a change) to your homeowners policy. It allows you to obtain replacement cost coverage (RCC) instead…
Home is where the heart is -Proverb Homeowners policies may require "appraisal." Here's what it is and what it means. An appraisal is an informal hearing and is an example…
Rank does not confer privilege or give power. It imposes responsibility. -Peter Drucker How to sue a city in California for inverse condemnation? First, determine whether you have an inverse…
Trees are poems that the earth writes upon the sky. -Kahlil Gibran First, determine who owned the trees. Second, determine what caused the fire. Third, know what damages are recoverable.…
Knowledge is of two kinds. We know a subject ourselves, or we know where we can find information upon it. -Samuel Johnson How to file a claim against an Indian…