Coverage·Analysis
The Habitability Exclusion in Commercial Insurance: A California Deep Dive
California has one published appellate decision on the habitability exclusion, 24th & Hoffman, and it lets surplus-lines carriers contract around the Buss duty to defend with catch-all language. The exclusion, the statutes behind it, the state-federal split, and what it means for underwriting and claims.
Analysis•June 28, 2026
Coverage·Analysis
Statutory Floors Requiring Condominium Associations to Insure More Than "Bare Walls": The Uniform-Act States and Key Non-Uniform Jurisdictions
A pure bare-walls master policy is foreclosed for stacked residential condos in the uniform-act states: UCA/UCIOA § 3-113(b) mandates studs-in coverage. Connecticut, Florida, and current-WUCIOA Washington reach all the way to all-in; Massachusetts, Arizona, and Virginia impose no floor at all. A multi-state survey of the statutes and the leading cases.
Analysis•June 22, 2026
Coverage·50-State Survey
Mandatory-Offer and Mandatory-Inclusion Requirements for Residential Property Coverages: A 50-State and D.C. Survey
Most states mandate nothing, but the map is wider than replacement cost and ordinance-or-law. California requires an earthquake offer, Florida mandates sinkhole and hurricane-deductible offers, and five states compel mine-subsidence coverage. A 50-state and D.C. survey of the offer, include, and make-available duties.
50-State Survey•June 21, 2026
Coverage·Analysis
Wear and Tear, Pre-Existing Damage, and Maintenance Exclusions in Florida Residential Property Claims
When an adjuster writes "age and deterioration," that's an exclusion, and on an open-peril policy the carrier, not you, has to prove it. How Florida allocates the burden, when a covered storm carries an excluded maintenance cause into coverage (and how anti-concurrent-cause language stops it), and the 14-day seepage trap.
Analysis•June 14, 2026
Coverage·Analysis
Water Damage Source and Duration Limits in Florida Homeowners Policies
A sudden pipe burst is covered; long-term seepage usually isn't, and the fight turns on the exact words. How Florida handles the "14 or more days" seepage clause, anti-concurrent-cause language, mold sublimits, and the burden of proving when the loss actually happened.
Analysis•June 14, 2026
Coverage·Analysis
Wind vs. Flood Causation in Hurricane Claims: The Doctrines, the Gulf Coast Case Law, and the Proof That Decides Them
Same building, same night, two policies, two burdens of proof. The causation doctrines (Leonard, Corban, Sebo, Texas allocation), the SFIP's traps, and the evidence that actually decides wind-vs-flood disputes.
Analysis•June 11, 2026
Coverage·Analysis
Drafting Water Damage Provisions That Survive a Florida Courtroom
Florida courts construe ambiguity against the drafter, and the case law shows exactly where forms fail: selective anti-concurrent causation language, the 14-day seepage trap, and endorsements that drift from the base form.
Analysis•June 10, 2026
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InsuroAI cross-references statutes, admin code, case law, and DOI bulletins, and audits your documents against them, with citations you can verify.