Worldwide: Insurance

Property owners in South Carolina's coastal and flood-prone areas face numerous unexpected limitations and strict requirements when relying on National Flood Insurance Program (NFIP) policies. Understanding coverage gaps, exclusions, proof of loss deadlines, and anti-concurrent causation clauses before disaster strikes can prevent significant financial losses and claim denials.

An apartment complex was insured under a $1 million primary policy and a $10 million excess policy. Following a fatal shooting at the complex, the deceased’s estate made two settlement demands within the primary policy limits.

Atlanta Gas Light Company and its parent (collectively, AGL) hired United States Infrastructure Corporation (USIC) to locate and mark gas lines in Georgia.