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I’m Back!

After a brief absence while finishing my new book, I’m back with two new blog posts, one about vermin exclusions and the other about certificates of insurance. In addition, I post some information about ordering my new book “Why Insurance Doesn’t Cover the COVID-19 Pandemic” at a discounted price.

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What is a “Vermin”?

Mice, roaches, snakes, turtles, bats, pigeons, raccoons, skunks, carpet beetles, squirrels. What do these critters have in common? They have all been cited as “vermin” in claim denials. In this article, we’ll look at these varmints, examining a number of court cases, in an effort to determine what’s a “vermin.”

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Why Insurance Doesn’t Cover the COVID-19 Pandemic

THE Definitive and Conclusive Analysis of Why Insurance Doesn’t Cover Pandemics. is now available on presale at This book by one of the industry’s foremost P&C insurance coverage experts, author of “When Words Collide: Resolving Insurance Coverage and Claims Disputes,” explains why potentially trillions of dollars of COVID-19 business interruption losses should not, can not, and are not covered by insurance.

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Insurance Issues in the News

While I’m working on my new book “20/20 Vision: Why Insurance Doesn’t Cover the COVID-19 Pandemic,” I thought I’d take a quick break and make a blog post. Recent news accounts reminded me of a couple of articles I’ve posted and in this post, I link to two of them. One is about this week’s anniversary of 9/11 and the other is about a coverage gap you may not have considered that has arisen following recent riot damage.

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The 180-Day ACV vs. RC Notice Myth

Property policies written on a replacement cost (RC) basis, both personal and commercial lines, usually have a provision that the insured can collect on an ACV basis, then advise within 180 days that they intend to exercise their right to a RC recovery. But what happens when the insured doesn’t discover damage (e.g., from hail) until 180 days after the loss or damage (e.g., the hail storm)?

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My New Ebook

My ebook 52 of the Greatest Things Anyone Ever Said… and Why has gone live on Amazon and in 24 hours has become Amazon’s #1 New Release in the Quotational Reference book category. This ebook includes 52 of my favorite quotations, each with a brief essay about what the quotation means. While the ebook can be read in its entirety and in any order, it is designed so that each quotation and essay is read weekly over the course of the coming year and it can be accessed right from your phone or tablet.

BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.

To get BOTH books at a discounted price, click the book cover or CLICK HERE.