As previously posted, I’m currently working on several projects with deadlines, so my blogging will be limited and intermittent probably through the holidays. Based on three emails I received just in the past two days, I am going to try to write a blog post about the Western Wildfires. I’m getting questions about coverage for civil authority actions, evacuation expenses, whether property owners must rebuild at the same location, etc. I will do my best to post about these issues next week if at all possible.

In the meantime, please indulge me in a shameless self-promotion of my book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” With the holiday season rapidly approaching, are you at a loss for business gifts for agents, underwriters, adjusters, risk managers, attorneys, etc.? If so, I hope you’ll consider gifting “When Words Collide.” If you want to order 1-9 copies, you can do so on Amazon. If you want to order 10 or more print copies, you can do so with a discount of up to 30% by ordering on the book’s web site.

If your budget is limited or recipients prefer ebooks, the Amazon Kindle version is only $9.99 and you can learn how to gift a Kindle book here. While the formatting is not as good as a print version, the Kindle edition allows you to search the text and the Kindle reader also support note taking.

So what do some of the best insurance minds in the business think about this 356 pages of insurance nirvana? …..

“I’ve just completed what may be the most useful, insightful and relevant book I’ve ever read about our great industry: Bill Wilson’s When Words Collide – Resolving Insurance Coverage and Claim Disputes. Over the course of the last 41 years, I think I’ve read at least 33 insurance textbooks, most of them written by well-respected, nationally-known insurance authors. Bill’s book just might be the best book related to our profession I’ve ever read. When Words Collide presents a cogent approach to resolving insurance coverage issues.  It’s the first book I personally have ever read on that specific topic. The book is meticulously researched, full of great examples, and written with an ever-present sense of humor and fun. Yes, insurance is indeed fun! Just read the 325 pages of this book! You’ll quickly see how such crucial principles as noscitur a sociis, four corners of the contract, extrinsic evidence, and “RTFP” can turn a denied claim into a paid claim. You’ll also receive copious testimony why insurance is definitely not a commodity, an especially valuable message in this era of ’15 minutes can save you 15%’ and ‘cheaper is better’! I urge all property-casualty insurance professionals to read When Words Collide – Resolving Insurance Coverage and Claim Disputes. You’ll keep it close to your desk the remainder of your career.  I tip my hat to Mr. Wilson.” Craig J. Andrews, CPCU, ARM, AAI, AU-M, ARe, AIC, AMIM, ASLI, CRIS

“Bill Wilson is a paramount educator of Insurance. His latest book, When Words Collide: Resolving Insurance Coverage and Claims Disputes, is an excellent resource all insurance claims experts and professionals should have in their library. I thought so much of it I have ordered the book for each Merlin Law Group attorney.” – Chip Merlin, J.D.

“I think everyone who works in P&C insurance should read this book….Reading this book was like sitting in on a hundred claims committees without having to spend a thousand hours in research and meetings.” – Amber Wuollet (video review at

“Bill Wilson takes his years of experience in the trenches and provides the insurance community with realistic and street-wise words of wisdom in this excellent claims handbook. For both the novice and the experienced professional, Bill’s approach gives any reader a heads-up and pathway to approaching even the most complex claims situations.” – Dan Kohane, J.D.

“[When Words Collide] is a Magnus Opus, probably the most important and usable insurance book I have read. Wilson deals with a complex legal subject with the lucidity of a true educator. This book should be in the office of every agent, adjuster and underwriter. It is an indispensable tool to understand and unlock the subtlety of insurance policies. It will be invaluable to have this work from one of the masters of coverage interpretation.” – Stuart Powell, CPCU, CIC, CLU, ChFC, ARM, AMIM, AAI, ARe, CRIS

“This book is a must read for every insurance professional that cares about providing the right coverages and being an advocate for their clients to receive the coverage they have purchased when they incur a claim.” – Chris Burand, CBA

“In ‘Words Collide,’ Bill Wilson has shared his over four decades of formal education and extensive experience to provide extraordinarily valuable and expert information on the many facets of the insurance industry. His book is well organized, easy to follow as a reference and packed with examples that bring to life so many important concepts. ‘Words Collide’ is a ‘must have’ resource for insurance agents and brokers, underwriters, claims adjusters, claims executives, insurance company marketers and marketing executives, most attorneys and also anyone with responsibility for the purchase of insurance for themselves and others, such as risk managers of large organizations.” – Craig Stanovich, CPCU, CIC, AU

“This is a great book for any insurance agent, insurance broker, claims person, or claims lawyer that needs to know how insurance is dealt with in the real world rather than the esoteric home of appellate jurisprudence.” – Barry Zalma, Esq., CFE

“When Words Collide” is more than a must read. It’s a must-have reference for every agency owner and should be required reading for agency staff. While situations may change, the principles Bill Wilson outlines in his book do not and they serve as a foundation for virtually any issue you encounter. To get Bill’s decades of wisdom and insight in one book is a gift to the profession.” W. Michael McBride, JD

“Whether you are a seasoned industry professional or just beginning your insurance career, ‘When Words Collide…Resolving Insurance Coverage and Claims Disputes,’ is a must-read. Wilson’s years of experience jumps out at you from each page. Bill’s writing style will keep you captivated. The book becomes a desk reference in the amazing and often challenging world of Insurance policy formation and interpretation. Technical competence in the property and casualty industry involves a continuous dedication to the craft and a commitment to lifelong learning…with the benefactors being the policyholders, the insurance carriers and their agents and brokers!” Greg Deimling, CPCU, ARM, AMIM

“I think this book is a must read for insurance producers, their assistants and especially those who are new to our industry.” – Chuck Schramm, CPCU, CIC, AAI, ARM, CRM

“Your book should be in every agency.” – Berry Adcock, CPCU

“Bill’s book is a manifesto for a back to basics, common sense, thoughtful, deliberate approach for determining coverage.” – Kevin Quinley, CPCU, AIC, ARM (video review at

“I just finished reading Bill Wilson’s book ‘When Words Collide’ for the first time – but definitely not the last. Since I wouldn’t know where to begin to describe best book I have ever read on insurance policy coverage and analysis – I’ll just end by saying: ‘When Words Collide’ by Bill Wilson is the best overall insurance book I have ever read. Every person in the insurance industry and all attorneys practicing in the Tort Trial and Insurance Law Sector should read this book as their primary source of education on resolving insurance claim and coverage disputes and then file it their library as THE authoritative resource. Throughout his insurance career Bill has always been able to take one of the most complicated subjects and make common sense (where sense can be made) out of the words on the page. After reading ‘When Words Collide,’ not only will you be able to RTFP but you’ll be able to UTFP. Great job Bill!”Lee M. Hoffman, CIC, LIC, CPIA

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Bill Wilson

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One of the premier insurance educators in America on form, coverage, and technical issues; Founder and director of the Big “I” Virtual University; Retired Assoc. VP of Education and Research from Independent Insurance Agents & Brokers of America. Reprint Request Information