Class Actions and Mass Torts Against Insurance Companies in California: A History
A history of class action lawsuits and mass tort litigation against insurance companies in California, from Northridge to the Palisades fires, and what policyholders need to know about these legal mechanisms.
How Insurance Carriers Systematically Underpay Claims: The Consulting Industry Behind It
The documented history of how McKinsey & Company and other consulting firms redesigned insurance claims handling to maximize carrier profits at the expense of policyholders.
How the Tort of Bad Faith Was Invented: The History That Changed Insurance Law Forever
The legal principle that insurers can be held liable beyond the policy for unreasonably denying or delaying claims did not exist until California courts created it. Trace the history from Comunale to Egan and understand how bad faith law protects policyholders today.
How the Tort of Bad Faith Was Invented: The History That Changed Insurance Law Forever
The complete history of bad faith insurance law in California — from Comunale and Gruenberg to the Shernoff firm and Egan v. Mutual of Omaha. How the tort was invented, how it evolved, how damages are calculated, and the realistic challenges of winning a bad faith claim.
Landlord's Duty to Disclose Building Conditions to Commercial Tenants
Asbestos, lead paint, mold history, prior water damage, roof age — what California landlords must disclose to commercial tenants, and how failure to disclose affects insurance claims and negligence actions.
The Insurance Claims File: What It Contains, Your Right to Request It, and How It Changes Claim Outcomes
What is in the insurance company's claims file, why it matters, your right to request it under California law, and how the claims diary, reserve history, and internal communications reveal what the carrier really thinks about your claim.
The Insurance Services Office (ISO): Who Writes Your Policy Language and Why It Matters
An in-depth look at the Insurance Services Office (ISO), its history, its connection to Verisk Analytics and Xactimate, why arcane policy language persists, and how the choice between ISO standard forms and proprietary carrier forms affects your claim.
The Virus and Bacteria Exclusion: How ISO CP 01 40 Killed Most COVID Business Interruption Claims
History and analysis of the ISO CP 01 40 virus and bacteria exclusion, its role in COVID-19 business interruption claim denials, key court decisions, the direct physical loss debate, and lessons for future pandemic planning.
When the Victim Becomes the Villain: The Tort Reform Narrative and What It Costs Policyholders
How the insurance industry spent hundreds of millions turning injured people into villains — and how that narrative directly undermines your insurance claim today. The real story of Stella Liebeck, the funding behind tort reform, and what it means for policyholders.