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Expert Analysis

Force-Placed Policies: Who Is Entitled To Benefits?

Law360, New York (October 12, 2011, 3:17 PM EDT) -- Force-placed insurance policies — also referred to as "lender-placed" or "force place" policies — have been the subject of debate centered on the question of who is entitled to receive policy benefits when there is a property loss covered by the terms of the policy: the lender, the property owner or both? This article provides an overview of force-placed coverage in the real property insurance context and the exceptional circumstances in which such coverage is extended to cover the property owner's interests in addition to the lender's interests....

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