What Is The Personal Reasons Exception in California?
We are our choices Sartre The personal reasons exception is an exception to the general rule on the standard of real property damages. Here's some context. Real property is your…
What Is Insurance Bad Faith In California?
Trust not too much to appearances. Virgil What Is Insurance Bad Faith? Insurance bad faith is when your insurance company doesn't treat you fairly. Bad faith refers to unreasonable or…
What Is The Fair Claims Settlement Act In California?
Life's not fair Anonymous Don't expect the insurance companies to tell you about the Fair Claims Settlement Act! The Fair Claims Settlement Act is a collection of laws that govern…
Who is responsible for water main breaks in San Diego?
Action may not always bring happiness, But there is no happiness without action.-Benjamin Disraeli In almost all cases, the City of San Diego will be responsible for a water main…
How to file a business interruption claim in California
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.…
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 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…