Expert Viewpoints

The Future of Appraisal and the Rising Standard of Competency

In property/casualty insurance, appraisal has long existed as a mechanism to resolve disagreements over the amount of loss. For decades, it has been viewed as a useful—if occasionally underutilized—tool in... Read More

The Field Inspection Gap: A Growing Structural Risk in Claims Handling

In property/casualty claims, the initial inspection does more than document damage. It establishes the foundation for how the claim will be evaluated, reserved and ultimately resolved. When that inspection is... Read More

Aggregate Limits Do Not Apply to Environmental Claims, Ninth Circuit Rules

In the case of County of San Bernardino v. Insurance Company of the State of Pennsylvania, the Ninth Circuit recently... Read More

State Regulatory Surge, Federal Shifts Reshaping Workers’ Comp

Workers’ compensation is entering a period of heightened complexity as regulatory changes and policy shifts continue to unfold across federal... Read More

Tackling The Growing Threat of Legal System Abuse

Severity, not frequency, is driving the rise in claims costs today. While the number of claims has generally declined, the... Read More

‘Big Tobacco’ Moment for Cannabis: What Insurers Need to Know About Murray v. Cresco

A massive 320-page class action complaint has the attention of the cannabis sector. The insurance professionals who underwrite it should... Read More

Adapting Claim Investigations for AI-Driven Fraud

Insurance fraud is not a new problem. What has changed is the ease with which a fraudulent claim can be... Read More

Balancing Technology and Expertise in Property Insurance Claims

The property insurance industry is undergoing a rapid and necessary transformation. Advances in data, automation, and artificial intelligence are reshaping... Read More

Hail to High Variance: Rethinking Test Squares and Roof Damage Assessment

For decades, the 10×10‑foot test square has been the industry standard for evaluating hail damage to roofing systems. It is... Read More

The Adjuster’s Year Ahead: What AI Will and Won’t Change About the Job

Somewhere in the country this week, a plaintiff’s attorney is reading a claim file with a highlighter, looking for the... Read More