Stuart Powell, Author at INSURSPECTIVE

COVID and the Cost of Building Materials

April 15, 2021

Several months ago, I had a new roof put on my house (by the way, I paid for the new roof and did not…

Insurance Implications for the Corona Virus

March 3, 2020

The Corona Virus (COVID-19) is much in the news. So far it has not been a major problem in the United States, and hopefully…

The Civil Authority Clause: How Does It Work?

January 13, 2020

The Business Income Coverage (BIC) form provided by ISO includes an Additional Coverage entitled Civil Authority. Because of the hurricane activity in coastal North…

A Work of Insurance Art!

November 26, 2019

Some of you may know that my academic background and training was in religion and philosophy. One of the areas of study in philosophy…

How Does a Deductible Work?

August 27, 2019

I know this sounds like a very simple question, but over the years I have asked this question in classes and there has been…

If You Got’m, Smoke’m: New Cannabis Endorsements for Commercial Insurance

July 29, 2019

The legalization of cannabis is a growing trend in America. We are lucky to have a national authority on cannabis and insurance here in…

Ride-Helling… (I’m sorry, I meant Ride-Hailing)

May 29, 2019

Insurance has traditionally been aggregated into two hemispheres: insurance for personal property and activities, and insurance for commercial property and activities. There has always…

Replacement Cost Issues

May 20, 2019

In a previous blog, we discussed the concepts of Actual Cash Value (ACV) and Replacement Costs (RC). While the concepts are somewhat straight forward,…

An Important Event

March 20, 2019

I had originally planned to follow up my last blog on valuation with some additional thoughts. However, on March 5, there was an important…

Recurring Issues… (Part 2)

February 11, 2019

In the previous blog, we discussed the values more commonly understood by property owners. So, now we must discuss the values more commonly used…