Fifteen or so inches later, the rain has officially stopped. The entire state breathed a sigh of relief yesterday as the sun started trying to dry things out. I was one of the lucky ones who didn’t have any damage, but there are thousands of people who have lost personal treasures. Photographs, antiques . .
2010
Anybody Got an Ark?
Not much legal analysis here but . . . it is coming an absolute flood in West TN. We’ve got about 6 inches of rain in the past few hours, with that much or more coming over the next 24 hours. I may have to call in the calvary and get Chip Merlin and company…
Recent Developments – Adams v. Tennessee Farmers Mutual Insurance Company
Earlier this week, the Tennessee Court of Appeals issued a 24 page opinion addressing a variety of issues affecting insureds in the State of Tennessee. The case is Adams v. Tennessee Farmers Mutual Insurance Company, a copy of which is available here. My partner, Clint Scott, and I represented the insured in this case, which…
Cowpokes and Deductibles
I recently resolved a case that I thought was interesting for this day and age, particularly here in Tennessee. Here’s the scenario – an insured claims to have had cattle stolen from him on multiple occasions, but by the same person – yes, you guessed it, the “cowpoke” in our story.
It seems that our “cowpoke&rdquo…
Examinations under Oath and Recorded Statements – Are They the Same Thing?
"Examinations under oath" and "recorded statements" are not the same thing. A recorded statement is usually taken within a few hours or days after the loss, and is typically taken by an adjuster. The questions asked are usually standard in nature, often asked verbatim from a written form, and the whole process customarily takes only…
What is an Examination Under Oath?
What is an Examination Under Oath?
The number one trigger that drives clients to my office is that dreaded letter from some fancy law firm, usually with lots of names at the top of the letterhead, that directs the insured to show up at a designated time and place for an “examination under oath.”  …
A Venue Quiz
The facts: Plaintiff Doe presently lives in Carroll County, and his fire damaged home was also in Carroll County. Defendant Insurance Company has a claims office in Madison County. Defendant Agent resides in Carroll County, has his principal place of business in Carroll County, but also has a satellite office in Madison County. Plaintiff…
THE “CO-INSURANCE” PENALTY – OR INSUFFICIENT INSURANCE TO VALUE – AND ITS IMPACT ON AN INSURED
coinsurance “co-insurance” “insurance to value” formula…
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Rules of Interpretation for Insurance Policies
Insurance litigation requires a lot of briefing so we keep a stash of helpful citations that are often used in our court filings. An example is the rules that courts must follow when interpreting insurance policies. These rules of construction can be quite helpful in the right case. Below are several that insurance practitioners should…