California Insurance Bulletin 2025-7 states the position that recent case law does not remove coverage for smoke damage claims. Bob Sallander is highly critical of the bulletin from the office of Insurance Commissioner Ricardo Lara, explaining that Bulletin 2025-7 misstates both Another Planet Entertainment, LLC v. Vigilant Insurance Company (Cal. Supreme Ct., 2024) 15 Cal.5th 1106 and Gharibian v. Wawanesa General Insurance Company (Cal. Ct. of Appeal, 2 nd Dist., Div. 2, 2025)
2025 WL 426092. Join Bob Sallander for his summary of case law and how Bulletin 2025-7 is founded upon faulty logic. 

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Robert Sallander discusses the complex litigation against Southern California Edison for the Eaton Wildfire brought by over 100 insurance companies in Los Angeles Superior Court. 

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This week, Bob discusses a recent Ninth Circuit decision that could greatly affect insurance suits resulting from the LA wildfires. Learn why insureds might be in trouble if their cases get removed to federal court. 

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Coverage Position Letters (CPLs) are supposed to be straightforward and informative letters about why a claim may not be covered.  

But Bob has noticed that these letters are often overbroad, throwing in everything but the kitchen sink. Actually, a lot of them probably throw that in too, because that leaky sink is not part of the damage they agreed to cover.

This week, Bob addresses how insurers can balance clarity in CPLs while still covering their bases on potential defenses. 

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In our discussions of the LA wildfires, we’ve talked a lot about homes that were destroyed by burning. But what about those impacted by smoke and ash? This week, Bob discusses Gharibian vs. Wawanesa Gen. Ins. Company, a recent case addressing this issue, and how to stand the best chance of being compensated for potential damage from smoke, ash, and soot.

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The LA Department of Water and Power is spending a pretty penny on a law firm to defend them against litigation resulting from the Palisades Fire. The price tag of the firm made Bob wonder: Was any insurance agency involved in selecting the firm? This week, he uses that framework to discuss selection of counsel and litigation management issues.

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This week, Bob continues his discussion of the LA Wildfires, providing a case example that demonstrates mistakes that can be made by both insurers and insureds around policy limits and claims adjustments.  

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This week, Bob discusses Parkinson’s Law, the notion that work expands to fill the time available to complete it. He gives advice on how to avoid this phenomenon and get work done before your deadlines. 

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In this week’s episode, Bob discusses why it’s best to avoid attorneys as expert witnesses in coverage cases in light of recent court decisions in Sheehy v. Chicago Title Insurance Company and Brand v. 20th Century Insurance Company.

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The LA wildfires have caused an estimated $20-30 billion in losses so far. We know homeowners are reeling, and wanted to provide some more advice on what to do if your home was lost or damaged in the fires.

This week, Bob focuses on when you should file a claim, emphasizing that earlier is better than later. Notify your insurance company and agent in writing as soon as you can that you’ve experienced losses due to the fires and are making a claim, even if it's just through a simple email.

Mutual Aid LA has assembled an interactive resource library for those who have been affected by the wildfires. You can find it at https://mutualaidla.org/ .

Have a topic you'd like Bob to cover? Submit it to [email protected], or connect with Bob directly on LinkedIn.

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