Is Covid-19 “Physical Loss or Damage” to Property?
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.…
Why Business Interruption Insurance Should Cover Covid-19
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.…
Does Business Interruption Insurance Cover Covid-19?
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…
What Is A 998 Offer?
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…
What Is Inverse Condemnation In California After City of Oroville?
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 is replacement cost coverage?
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…
What is appraisal in homeowners insurance in California?
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…
How to sue a city in California for inverse condemnation
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…
What to do if trees were damaged by fire in California
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.…
How to file a fire insurance claim
Wisdom comes only through suffering. -Aeschylus Here's what you need to do to file a fire insurance claim. Step 1 Confirm your policy covers fire damage. Most do, however. To…
What are anti-concurrent causation clauses in California?
Injecting some confusion stabilizes the system. - Nassim Nicholas Taleb Time for tongue twisting: Anti-Concurrent Causation Clauses in California. Say that three times fast. This overview of anti-concurrent causation clauses…
How to request a fire report in San Diego
Home is where the heart is. -Proverb It's easy. Fill out this form, then mail it to the address listed on the bottom of the form. San Diego Fire Department must…