The number of fires in Oklahoma as the year closed were significant. Almost everyday, you heard or read about another fire. Some days there were multiple fires. House fires, apartment fires, mobile homes, restaurant fires, businesses hit by fire, the list goes on and on. Sources such as space heaters, grease fires, fire places, electrical

Fire4

Chimney fires are deadly and devastating to Oklahomans.

Every year fires take lives, homes, and businesses. The cost to the insurance industry is huge because insurance covers most types of fires.

One exception are fires that are intentionally set. Arson is a crime and no insurance policy will cover destroying property deliberately. Therefore, the cause

Confused

We have pointed out in the past that many people don’t speak the language of “insurance”.

No different than medicine, the insurance industry has terms and words that have a specific meaning. If you don’t speak the language, then you don’t understand what was said.

An apartment complex owner learned this lesson the hard way.

There is some disagreement between the courts in the way they are interpreting and applying the MCS-90 Endorsement and its relationship to the underlying insurance policy.

The majority of jurisdictions consider the insurer’s obligations under the MCS-90 endorsement to be that of a surety and not a modification of the insurance policy. Under the majority

Different insurance policies identify different events which trigger coverage. Two types of common insurance policies are "claims made" policies and "occurrence" policies.

Under a "claims made" policy, coverage is triggered when, during the policy period, an insured becomes aware of and notifies the insurer of either claims against the insured or situations that might give

calendar

Litigation has a lot of conflicts that really slow down getting your day in court. Sometimes it has to do with the lawyer’s schedule in other courts. Bubba’s insurance case hit one of those snags. Judge Smith set the case on the trial docket that also happened to be the trial docket in a Federal

denied

I guess about anyone could see it coming, Bubba’s insurance company denied his house fire claim. The insurer, Wewoka Worldwide Insurance finished its investigation and mailed Bubba a denial letter, then the insurance company took the initiative. Wewoka Worldwide sued Bubba in a declaratory judgment action. Bubba considered it a ” declaration of war “!