Cesar De Leon v. State Farm Lloyds 1 is an ugly opinion for policyholders. It is also an important one that follows my post from yesterday, Oklahoma Court Invites More Outcome-Oriented Insurance Investigations. This case shows how Texas bad faith law, combined with poor litigation work, can turn an insurer’s allegedly outcome-oriented investigation into a …
Oklahoma Court Invites More Outcome-Oriented Insurance Investigations
The Oklahoma Supreme Court has handed insurers and their retained experts a significant victory in Community Resourcing Incorporated d/b/a Our Daily Bread Food and Resource Center v. Berkshire Hathaway Specialty Insurance. 1 The court held that the policyholder could not sue Haag Engineering and Chris Hickman for tortious interference with contract or civil conspiracy because …
The Fireworks We Love and the Fires We Should Never Forget
America celebrates 250 years since the Declaration of Independence today. Most of us will mark the occasion the way John Adams predicted we would, with noise, light, gatherings, and spectacle. Adams thought July 2 would be the great anniversary because that was the day Congress voted for independence. History chose July 4 because that was …
Buying Insurance After the Accident is Fraud
It is a Crime to Lie to Your Insurer That Accident Happened After Policy Inception
Post number 5386
Conviction for Fraud Affirmed Because Evidence Overwhelming
In State Of Washington v. Saleem Mumin Robinson, No. 87244-3-I, Court of Appeals of Washington, Division 1 (June 29, 2026) Saleem Robinson was involved in an automobile collision on May
Troutman Pepper Locke Earns Expanded Chambers USA Recognition for Insurance Transactional, Regulatory, and Litigation Work
Across every part of the insurance industry, our attorneys are at work and the recognition is following. This blog has featured updates about state rate filing overhauls and market conduct enforcement, surplus lines diligent-effort requirements and NRRA home state complexities, NAIC annuity illustration practices, captive structures for InsurTechs, and professional liability
Congress Moves to Extend the Terrorism Risk Insurance Act Until 2034
On June 29, 2026, the House of Representatives passed H.R. 7128, “TRIA Program Reauthorization Act of 2026” (the Act). The Act concerns the Terrorism Risk Insurance Act of 2002 (TRIA), which was passed in the aftermath of the September 11, 2001, terrorist attacks. TRIA requires commercial property and casualty insurers to make terrorism coverage available
Failure to Comply With Policy Conditions Defeats Claim
Deprive Insurer of the Ability to Properly and Timely Investigate Claim & Recover Nothing
Post number 5385
No Contract Claim No Bad Faith Claim
In South Alexander Development I, LLC v.Markel American Insurance Co., Civil Action No. 23-1436-JWD-SDJ, United States District Court, M.D. Louisiana (June 24, 2026) South Alexander Development I, LLC (SADI) owned and
Is Replacement Cost Insurance a Betterment Policy or a Policy of Indemnity?
I received the following text the other day about a spirited discussion between Harvey Goodman, one of the country’s most respected public adjusters, and Derek Chaiken in our Los Angeles office: I have spent the last hour fighting with Derek as to whether a replacement cost policy is a betterment policy or policy of indemnity—we’re …
New Challenge to Federal Contractor DEI Restrictions and D&O Impact
A recent multi-state lawsuit challenging the Trump administration’s anti-DEI mandate highlights a major shift in the ongoing ESG backlash tracked by The D&O Diary. The case alleges that federal contractors are trapped by poorly defined requirements, which could lead to D&O exposure in a number of industry sectors. Because compliance is now tied directly
Zalma’s Insurance Fraud Letter July 1, 2026
ZIFL – Volume 30 Issue 13 July 1, 2026
Happy 250th Anniversary America
THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL
Post number 5384
Zalma’s Insurance Fraud Letter (ZIFL) continues its 30th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and