An insurer paid its insured for a covered claim. Is the insurer required to provide matching coverage related to that claim?

This chart provides essential information on loss settlement regarding matching repairs to damaged property with existing, obsolete property. Some states have statutes governing settlements, others have advisory bulletins and others rely on cases, while some have not addressed the issue.

An overview of the issues surrounding whether or not insurers are required to replace undamaged property in partial losses when the replacement property does not match the undamaged areas.

The Hawaii Hurricane Relief Fund (HHRF) is accepting application while legislation codifying the coverage under the HHRF awaits the governor's signature.

A discussion of an advisory letter published by the LDI informing insurers, producers, and public adjusters of a the Louisiana law.

A summary of the ISO Circular for June 23, 2025. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.

If an insurer is required to provide coverage to ensure the insured's replaced or repaired property matches, does that coverage extend to property that was mismatched before the loss occurred?

This chart provides cases, statutes, department bulletins and other information dictating whether labor should be depreciated in loss settlement by state.

A discussion of a bulletin published by the Maryland Insurance Administration providing information on the allowable use of aerial imagery.

A recording of the FC&S webinar discussing water terminology, coverage, and court cases. The webinar was on June 4th 2025.