Newsletter RSS

Mealey's Catastrophic Loss

  • June 11, 2025

    8th Circuit Affirms Property Damage Claim For Hail, Wind Damage Was Untimely

    ST. LOUIS — The Eighth Circuit U.S. Court of Appeals on June 10 affirmed a lower federal court’s grant of summary judgment in favor of a businessowners insurer in an insureds’ breach of contract and bad faith lawsuit seeking coverage for hail and water damage to its commercial property following a thunderstorm, further holding that the lower court did not abuse its discretion when it refused to allow the insured to amend its complaint.

  • June 11, 2025

    Judge Refuses To Disturb Ruling In Insurer’s Favor In Hurricane Nicole Coverage Suit

    ORLANDO, Fla. — A federal judge in Florida denied insureds’ motion seeking reconsideration of an earlier ruling that granted an insurer’s motion for summary judgment in a breach of contract lawsuit arising from property damage that was caused by Hurricane Nicole, rejecting the insureds’ argument that the court improperly relied on inadmissible hearsay evidence and impermissibly weighed evidence.

  • June 10, 2025

    Washington Panel Reverses, Remands UW’s COVID-19 Coverage Suit For Dismissal

    SEATTLE — A Washington appeals court panel on June 9 reversed a decision and remanded for a lower court to dismiss the University of Washington’s lawsuit seeking coverage for losses incurred at its medical and athletic properties due to the COVID-19 pandemic, relying on the recent ruling in Tulalip Tribes of Washington v. Lexington Insurance Co. to reject the insured’s  argument as to its entitlement to coverage.

  • June 10, 2025

    3rd Circuit Affirms Ruling In Favor Of Insurer In Coronavirus Coverage Suit

    PHILADELPHIA — The Third Circuit U.S. Court of Appeals on June 9 affirmed a lower federal court’s ruling in favor of an insurer in coronavirus coverage disputes that were consolidated on appeal, ruling that under New Jersey law, insurance policies that insure “physical loss or damage” do not cover financial losses that were imposed by mandates in response to the coronavirus pandemic.

  • June 10, 2025

    Federal Judge Refuses To Dismiss Hurricane Ian Coverage Suit As Untimely

    FORT MYERS, Fla. — A Florida federal judge denied a Write-Your-Own insurer’s motion to dismiss an insured’s breach of contract lawsuit arising from property damage caused by Hurricane Ian, rejecting the insurer’s argument that the insured failed to timely file her lawsuit.

  • June 09, 2025

    Texas Supreme Court Sets Oral Argument In Tornado Coverage Dispute

    AUSTIN, Texas — The Texas Supreme Court will hold oral arguments beginning Sept. 10 in an insurer’s appeal of a majority’s reversal of a lower court’s judgment against insureds in a coverage dispute arising from tornado damage.

  • June 06, 2025

    Hurricane Ian Coverage Suit Is Time-Barred, Federal Judge Rules, Dismisses Action

    FORT MYERS, Fla. — A federal judge in Florida granted an insurer’s motion to dismiss its insureds’ breach of contract coverage lawsuit arising from their property damage that was caused by Hurricane Ian, concluding that the lawsuit was not timely filed.

  • June 05, 2025

    Magistrate: Causation Issue In Hurricane Ian Coverage Dispute Is Matter For Jury

    FORT MYERS, Fla. — A federal magistrate judge in Florida denied an insurer’s motion for summary judgment in its insureds’ breach of contract and declaratory judgment lawsuit seeking coverage for their Hurricane Ian losses, ruling that the insureds have produced sufficient evidence, including expert testimony of their hurricane damage, to survive summary judgment.

  • June 04, 2025

    Insured’s Negligence Complaint Against Broker Is Untimely, Indiana Panel Affirms

    INDIANAPOLIS — An Indiana appeals panel affirmed a lower court’s grant of summary judgment in favor of an insurance broker in an insured’s lawsuit alleging that the broker negligently failed to provide advice on how to procure event cancellation insurance after the insured discovered that its insurance policies did not cover its business losses arising from the COVID-19 pandemic, concluding that there are no material questions of fact regarding whether Indiana’s two-year statute of limitations period expired before the insured filed its complaint.

  • June 03, 2025

    Judge: Fact Issues Preclude Summary Judgment In Hurricane Ida Coverage Dispute

    NEW ORLEANS — A federal judge in Louisiana on June 2 denied cross-motions for summary judgment in a church insured’s bad faith lawsuit arising from Hurricane Ida property damage, ruling that there are genuine disputes of material fact regarding when the insurer received a satisfactory proof of loss and whether its payment and handling of the claim was arbitrary or capricious.

  • June 02, 2025

    Panel: Insured Fails To Show Insurer Lacked Reasonable Basis To Deny Coverage

    ATLANTA — The 10th Circuit U.S. Court of Appeals on May 30 affirmed a lower federal court’s grant of summary judgment in favor of an insurer in a coverage dispute arising from hailstorm damage to a commercial building, concluding that the insured did not demonstrate that the insurer lacked a reasonable basis to deny coverage pursuant to Colorado’s statutory remedy.

  • June 02, 2025

    Insured’s Assignee Asks 8th Circuit To Reconsider Ruling In Storm Damage Dispute

    ST. LOUIS — An insured’s assignee asked the Eighth Circuit U.S. Court of Appeals to reconsider its ruling that affirmed a lower federal court’s grant of summary judgment in favor of an insurer in its breach of contract and bad faith lawsuit arising from storm damage, asserting that the court did not “substantively address” its contention that the insurer bore liability for the adjustment of the claim.

  • June 02, 2025

    Judge Grants Insurer’s Motion To Dismiss Retailer’s Suit Arising From Coronavirus

    CHATTANOOGA, Tenn. — A federal judge in Tennessee granted an insurer’s motion to dismiss a women’s fashion retailer’s breach of contract and declaratory judgment lawsuit seeking business interruption coverage for its losses arising from the COVID-19 pandemic, finding that the policy terms unambiguously state that the policy does not cover losses resulting directly or indirectly from viruses pursuant to Tennessee law.

  • June 02, 2025

    Homeowners Insurer Did Not Breach Contract, Act In Bad Faith In Roof Damage Dispute

    CAMDEN, N.J. — Breach of contract and bad faith claims alleged against a homeowners insurer cannot proceed because the insureds are not entitled to recover the actual cash value of the damages to their roof until after the repairs are complete and because no reasonable jury could find that the insurer acted in bad faith in handling the insureds’ claim, a New Jersey federal judge said.

  • May 28, 2025

    Majority Reverses Punitive Damages Ruling In Suit Arising From Hurricane Florence

    RALEIGH, N.C. — A majority of the North Carolina Supreme Court affirmed an appeals court majority’s holding that an insured’s allegations are sufficient to state a claim for negligence against an insurance agent in a lawsuit arising from Hurricane Florence property damage but  reversed its ruling as to the punitive damages claim.

  • May 28, 2025

    Doctor Appeals No Coverage Ruling In Suit Arising From Alleged Hidden Cameras

    NEW YORK — A doctor insured filed a notice of appeal asking the Second Circuit U.S. Court of Appeals to review a lower federal court’s dismissal of her breach of contract lawsuit seeking business interruption and umbrella coverage for her losses arising from discovery of hidden cameras at her dermatology office.

  • May 27, 2025

    Louisiana Panel Affirms Dismissal Of Suit Against Allstate For Lack Of Jurisdiction

    LAKE CHARLES, La.— A Louisiana appeals panel affirmed a lower court’s dismissal of a lawsuit against Allstate Insurance Co. seeking coverage for an unpaid invoice for removing trees that fell because of Hurricane Laura, finding no error in the lower court’s determination that it lacked territorial jurisdiction.

  • May 23, 2025

    Insureds Say Carrier Acted In Bad Faith By Denying $19M Beryllium Release Claim

    BOSTON — An insurer’s denial of an insured’s claim for more than $19 million in business interruption losses sustained as the result of a release of beryllium in the wake of three named storms constitutes a breach of contract and bad faith, the insureds say in a complaint filed in Massachusetts federal court.

  • May 23, 2025

    Panel Rules On Writ Application, Appeal In Hurricanes Laura, Delta Coverage Suit

    LAKE CHARLES, La. — A Louisiana appeals panel denied insureds’ application for supervisory review of a lower court’s interlocutory judgment that denied their motion for summary judgment to enforce appraisal amounts in a coverage dispute over hurricanes Laura and Delta damage and vacated the lower court’s grant of Louisiana Insurance Guaranty Association’s motion for partial summary judgment.

  • May 22, 2025

    Contamination Exclusion Bars Coverage For COVID-19 Losses, Texas Panel Says

    AUSTIN, Texas — A contamination exclusion bars coverage for an insured’s claim seeking coverage for damages and losses incurred as a result of the coronavirus because the exclusion is not ambiguous and clearly includes viruses in its definition of contamination, the Third District Texas Court of Appeals said May 22 in affirming a trial court’s judgment in favor of the insurers.

  • May 20, 2025

    5th Circuit Refuses To Rehear Bad Faith Suit Arising From Hurricane Laura Damage

    NEW ORLEANS — The Fifth Circuit U.S. Court of Appeals on May 19 denied an insurer’s petition for panel rehearing asking the court to reconsider the part of its ruling that affirmed a lower federal court’s judgment in favor of a church insured in a bad faith lawsuit arising from Hurricane Laura damage, leaving undisturbed its findings as to jurisdiction, appraisal and policy valuation and bad faith.

  • May 20, 2025

    U.S. High Court Refuses To Review Insurers’ Petition In Tribal Jurisdiction Dispute

    WASHINGTON, D.C. — The U.S. Supreme Court on May 19 denied insurers’ petition for a writ of certiorari asking it to determine “whether a tribal court can exercise jurisdiction over nonmembers of the tribe based on off-reservation conduct,” leaving undisturbed a Ninth Circuit U.S. Court of Appeals’ opinion that affirmed a federal court’s finding that a tribal court has subject matter jurisdiction over a COVID-19 coverage suit involving tribal properties on tribal land.

  • May 20, 2025

    Supreme Court Rejects Insurer’s Challenge To Ruling In Favor Of Tribal Court Judges

    WASHINGTON, D.C. — The U.S. Supreme Court on May 19 declined an insurer’s invitation to review a Ninth Circuit U.S. Court of Appeals’ holding that a tribal court has subject matter jurisdiction over it in a dispute over the tribe’s claims for business interruption losses at its casino caused by the COVID-19 pandemic, refusing to review the appeals court’s ruling that affirmed a lower federal court’s summary judgment ruling in favor of two tribal court judges on the alternative ground that the insurance policy at issue satisfies Montana v. United States’ consensual-relationship exception.

  • May 19, 2025

    Panel Reverses Judgment For Insurer In Hurricane Damage Dispute Over Attorney Fees

    LAKELAND, Fla. — In a dispute over coverage for hurricane damage, a Florida appeals court on May 16 reversed and remanded a lower court’s ruling providing that pursuant to Florida law, the insurer was entitled to recover attorney fees and costs from the date of a settlement proposal rejected by a restoration services company, finding that the lower court erred in not applying binding Florida Supreme Court precedent.

  • May 16, 2025

    8th Circuit Affirms Ruling In Insurer’s Favor In Bad Faith Suit Over Storm Damage

    ST. LOUIS — The Eighth Circuit U.S. Court of Appeals affirmed a lower federal court’s grant of summary judgment in favor of an insurer in an insured’s assignee’s breach of contract and bad faith lawsuit arising from storm damage, concluding that the insured sought “to advance a novel agency theory on appeal” but there is no reason for the insured’s failure to raise this argument in the lower court and “no manifest injustice in this court declining to entertain the argument for the first time on appeal.”