Daily Insurance News

A wind storm tore vinyl siding off the south wall of a couple's Indianapolis home. The insurer authorized one wall. Their color had been discontinued. Indiana's matching law turned a $4,800 partial repair into a $19,200 full replacement.

A Boston software engineer moved from a suburb to downtown but kept the cheaper suburban address on his auto policy. After a parking lot accident, his insurer denied the $32,000 claim for material misrepresentation and refunded all of two years of premiums.

An Etsy candle seller faced a $87,400 lawsuit when her product caused a customer's kitchen fire. Her business owner policy denied the claim because product liability for online sales had been carved out at renewal, leaving her personally on the hook.

A 66-year-old retired pediatrician hit a Medicare Advantage prior-authorization wall after hip surgery. The 12-month trial right was her ticket back to Original Medicare with guaranteed Medigap. Most beneficiaries never hear about it.

A Houston single mom lost $47,000 in belongings when her duplex burned. Her landlord had let the building's insurance lapse eight months earlier. Her $14-a-month renters policy turned out to do more than she expected.