A proposal would require advance notice to homeowners and bar insurers from relying on aerial images older than 180 days when making coverage decisions.

Texas recorded more tornadoes than any other state in 2025, intensifying claims activity, pushing premiums higher, and renewing scrutiny on wind and hail deductibles across the property insurance market.

Heavy investment in insurance AI continues to deliver limited returns as automation accelerates workflows without improving decision quality, explainability, or claims outcomes.

Rates may be leveling off, but jury behavior, litigation funding, and documentation demands continue to drive claim severity and settlement complexity heading into 2026.

A growing flood protection gap is driving insurers and large businesses toward parametric coverage and captive risk structures as legacy models fall short.

As deferred maintenance costs climb, insurers are partnering with technology providers to help policyholders reduce losses before claims occur.

SB 876 would mandate upfront claim payments, double ALE limits, and impose new timelines for insurers after wildfire disasters.

Hyperscale facilities tied to AI and cloud computing are testing property insurance capacity, pricing and underwriting discipline. Brokers face major valuation and business income hurdles.

Fire and water remain the leading drivers of insurance claims in mass timber construction. Stakeholders must align risk management, training, and policy innovation to ensure safe project outcomes and insurability.

AM Best reports a sharp recovery in P/C insurer profitability for 2025, helped by lower catastrophe losses and improved reserve development.

Catastrophe losses, inflation, and construction costs are squeezing insurers and driving up homeowner premiums—putting more pressure on claims professionals.

Reinsurance capacity surged in 2025 amid historic low catastrophe losses, driving down rates and changing the risk-sharing landscape. Adjusters can expect shifts in how insurers deploy capital, respond to claims, and design coverages—especially in casualty, cyber, and catastrophe-exposed regions.

Florida courts consistently measure construction defect damages from the date of breach, regardless of defect type or legal theory. This rule holds key implications for claims handling and litigation strategy.

Feral hogs cause massive crop losses and property damage, prompting state-supported trapping and control programs. For claims professionals, the risks tied to agricultural policies are escalating.

Frozen pipes, kitchen fires, icy walkways, and parking lot crashes make winter the busiest season for property and auto insurance claims. Here’s how adjusters can prepare.