A candid Reddit discussion in the adjusters subreddit reveals how claims professionals balance empathy, boundaries, and risk when emotions run high after major losses.

New research estimates premium changes under NFIP Risk Rating 2.0 reduced new policy counts and trimmed renewals, with the largest pullback in lower-income ZIP codes. For claims teams, the findings point to a wider protection gap and tougher recovery outcomes after flood losses.

State investigators and Farm Bureau staged a bait house to catch a roofing contractor fabricating wind and hail damage in an alleged insurance fraud attempt.

Massive stadium builds are creating unprecedented risk complexity, from cyber threats and labor shortages to environmental land use issues.

A new survey finds most homeowners believe they’re fully covered for disasters like floods and wildfires, but industry data shows many lack essential protections.

Slower premium growth, stabilized catastrophe trends, and softening property rates are expected to shape a return to 2024-level underwriting performance in 2026.

Days of relentless rain pushed Skagit and Snohomish Rivers beyond 1990 records, overwhelming infrastructure and triggering widespread evacuations.

The Hartford’s analysis of 1 million small-business policies shows rising costs for fire, injury, and water damage claims, with risk mitigation strategies gaining traction.

A national economic analysis links rising insurance premiums, utility costs, and mortality to climate change, with low-income and high-risk areas bearing the brunt.

New research links a warming Atlantic to more extreme hurricane activity, with Florida, New York, and the Carolinas facing sharp increases in storm-driven insurance claims.

Inconsistent reporting hides the true cost of lightning damage to businesses. Better tracking and mitigation can protect insurers and policyholders.

A landlord’s earlier courtroom success backfired when State Farm tried to subrogate the same fire loss against tenants, triggering judicial estoppel.

Fire departments and safety officials urge caution as turkey fryer accidents spike on Thanksgiving, leading to property damage and injuries.

Thanksgiving ranks as a peak claims day for fire, auto, and injury incidents. Adjusters should be prepared for post-holiday surges in kitchen fire reports, liability questions, and alcohol-related crashes.

NERC’s latest report highlights severe winter reliability threats in several U.S. regions due to surging electricity demand, limited fuel availability, and slow infrastructure upgrades.