Property Insurance

Recent News:

Alycen Moss Named to Law360’s Insurance Authority Property Editorial Advisory Board

ATLANTA – March 21, 2025 – Alycen Moss, co-vice chair of Cozen O'Connor's Global Insurance Department, has been named one of Law360's 2025 Insurance Authority Property Editorial Advisory Board members for the fourth year in a row.

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For more than 50 years, major domestic and international insurers have relied on Cozen O’Connor’s Property Insurance team to assist them in navigating the increasingly complex field of property coverage. From hurricanes, earthquakes, and ice storms to man-made disasters such as terrorist attacks and oil spills, we have always been on the cutting edge of property insurance work. We were also pioneers in business interruption matters stemming from the COVID-19 pandemic, as well as the rising threat of cyberattacks. Our deep experience helps us to not only handle the matters at hand but also identify emerging challenges on the horizon. 

Our team is distinguished by its dual core competencies: precise contractual analysis and powerful trial advocacy. These competencies have cemented our reputation as knowledgeable and effective first-party practitioners for the full range of first-party property insurance coverages, including: all risks, builders risk, commercial property, commercial combined, cyber and electronic commerce risk, high net worth personal, inland marine, machinery breakdown, on- and off-shore energy, and business interruption.

The firm handles trials in state and federal courts around the country, argues appeals on coverage issues critical to the industry before all levels of appellate courts, and represents clients in mediations and arbitrations. Our strong reputation for successfully representing our insurer clients in court also helps us achieve highly favorable outcomes in the many cases where negotiation among stakeholders can resolve matters without resorting to litigation.

Our team has an encyclopedic knowledge of the legal bases governing the good faith handling and resolution of any claim scenario, from weather events and natural catastrophes to structural incidents to suspected arson and fraud, and we have represented clients in numerous high-profile losses. These losses include the 2021 ice storms in Texas, Oklahoma, and New Mexico, Hurricanes Laura, Irma, and Katrina, Superstorm Sandy, the 9/11 attacks, the Tohoku earthquake, numerous California wildfires, and the Deepwater Horizon oil spill.

With offices in 32 cities, Cozen O’Connor can respond quickly and effectively wherever losses occur. Our clients benefit from the firm’s local presence and the advantages that come from fielding a home team that understands the details of a particular locality and has built relationships with the community, the regulatory authorities, and the courts.

The extent of our industry involvement speaks to our credibility, as well as to our commitment to the insurance industry. Our dedication to the insurance industry includes being members and holding leadership positions in many industry organizations, including the highly selective Federation of Defense & Corporate Counsel (FDCC), the Claims and Litigation Management Alliance (CLM), the American College of Coverage Counsel’s Board of Regents, Law360’s Insurance Authority Property Editorial Board, and DRI.

Our attorneys are sought-after speakers and writers on property insurance topics. We frequently participate in or chair seminars at nationally recognized industry conferences, host webinars, and provide in-house training programs for members of the insurance industry on topics such as claims handling, risk management issues, and updates regarding case law. Several of our attorneys have also authored treatises in the property insurance field, including the Property Insurance Litigator’s Handbook (3d Ed.), Insuring Real Property (Matthew Bender) and the Fire Litigation Handbook (National Fire Protection Association).

In addition to being recognized in Chambers USA, individual members of the Property Insurance team have been honored with some of the most prestigious awards in the profession, including the FDCC’s John Appleman Award and the CLM’s Professional of the Year.

 

 

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Experience

Publications

Coverage for Defective Workmanship Not Restored by Ensuing Loss Provision [Property Insurance Law Observer Blog]

April 01, 2025

In Bob Robison Commercial Flooring Inc. v. RLI Insurance Company (2025 WL 852889 (8th Cir. 2025), the United States Court of Appeals for the Eighth Circuit determined that an ensuing loss provision of a builder’s risk insurance policy did not restore coverage resulting from defective workmanship...

Lack of Insurable Interest Precludes Recovery for Property Damage [Property Insurance Law Observer Blog]

March 20, 2025

In Ram Krishana Inc. d/b/a Motel 6 Sulphur v. Mt. Hawley Insurance Co. (2025 WL 371016) (S.D.N.Y. 2025)), the United States District Court for the Southern District of New York determined that the plaintiff lacked an insurable interest in property it insured because it did not own or possess the...

Claims Notes March 2025 [Alert]

March 04, 2025

Cozen O'Connor’s Global Insurance Department's Claims Notes provides quick, to-the-point summaries of national insurance developments, including notable insurance decisions, legislation, trends, and regulatory guidance.

Jackson v. Spinnaker: Court Rules a Thorough Investigation is Just Good Business, Not Bad Faith [Property Insurance Law Observer Blog]

February 25, 2025

In Jackson v. Spinnaker Insurance Company, the United States District Court for the Western District of Pennsylvania considered a homeowners insurance coverage dispute, ultimately finding that questions of residency and alleged fraudulent misrepresentations precluded summary judgment. However, the...

Court Denies Developer Insurance Coverage to Repair Defective Construction [Alert]

February 04, 2025

Ferland and Tumen discuss the Tenth Circuit's decision in In Curtis Park Group, LLC v. Allied World Specialty Insurance Company.

Decision: Insurer Prevails on Motion in Limine to Exclude RCV Evidence at Trial [Property Insurance Law Observer Blog]

January 23, 2025

In the recent decision Marquez v. Clear Blue Specialty Insurance Company, No. 6:23-cv-2025-ACC-DCI, 2024 U.S. Dist. LEXIS 219390 (M.D. Fla. Dec. 4, 2024), the U.S. District Court for the Middle District of Florida granted the insurer’s motion in limine and excluded evidence and testimony regarding...

Hurricane Coverage Ruling Clarifies Appraisal Scope In Fla.

November 20, 2024

Tiffany Bustamante, co-chair of the firm’s Bad Faith group, wrote the expert analysis column “Hurricane Coverage Ruling Clarifies Appraisal Scope In Fla.” for Law360.

Claims Notes: November 2024 [Alert]

November 11, 2024

John Ewell reviews recent cases and regulations impacting the insurance industry.

Split Decision: Florida Districts Clash Over Insurance Coverage for Unperformed Repairs [Property Insurance Law Observer Blog]

October 16, 2024

In the recent decision Universal Property & Casualty Insurance Co. v. Qureshi, the Florida Fourth District Court of Appeal held that homeowners cannot recover replacement cost benefits unless they have incurred expenses for repairs. The court emphasized that under both the insurance policy's...

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Events & Seminars

Upcoming Events

Hammer Letters, Demands Within Limits, Confessed Judgments, and Other Pressure Points

May 08, 2025 - Chicago, IL

Jodi McDougall will speak on the panel “Hammer Letters, Demands Within Limits, Confessed Judgments, and Other Pressure Points” at the American College of Coverage Counsel (ACCC) Annual Meeting in Chicago, IL.

2024 Year in Review of Bad Faith Cases and Beyond

April 23, 2025 - Webinar

Gregory S. Hudson and Mistee Verhulp will present a Cozen O'Connor webinar titled "2024 Year in Review of Bad Faith Cases and Beyond."

Past Events

PLRB 2025 Claims Conference & Insurance Services Expo

March 30, 2025 - Indianapolis, IN
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In The News

Alycen Moss Named to Law360’s Insurance Authority Property Editorial Advisory Board

March 21, 2025

ATLANTA – March 21, 2025 – Alycen Moss, co-vice chair of Cozen O'Connor's Global Insurance Department, has been named one of Law360's 2025 Insurance Authority Property Editorial Advisory Board members for the fourth year in a row.

Six Cozen O’Connor Attorneys Named to 2025 Georgia Super Lawyers List

February 19, 2025

Lyn Dodson, Kenan Loomis, and Alycen Moss are listed as Super Lawyers; Luciana Aquino, Samuel M. Lyon, and Saskia H. Olczak were named Rising Stars.

GaBiz Magazine Named Alycen Moss and Kenan Loomis “Top Lawyers” of 2024

January 28, 2025

Alycen A. Moss and Kenan G. Loomis were recognized by GaBiz Magazine as "Top Lawyers" of 2024 in the Winter 2024 Issue.

Valerie Sworn Named to The National Black Lawyers Top 40 Under 40

December 03, 2024

Valerie Sworn has been named to the “Top 40 Under 40” in Texas by The National Black Lawyers (NBL) Association. This exclusive recognition is reserved for the top 40 under 40 African American lawyers in each state, recognized for their outstanding legal skills and professional contributions.

Cozen O’Connor Announces Eight New Shareholders

September 23, 2024

Alexandra Campau, Nathan Dooley, Kyle Farnam, Paul Ferland, Matthew Glavin, Aaron Lukas, Dana Meyers, and Judd Serotta were all promoted to shareholder.

Two Texas Attorneys Named 2024 Super Lawyers

September 17, 2024

Stephen P. Pate and A. Martin Wickliff, Jr. were recognized as 2024 Texas Super Lawyers.

Alycen Moss Receives Georgia Legal Services Program’s 2024 Pro Bono Service Award

August 26, 2024

ATLANTA, August 26, 2024 – Alycen A. Moss, co-vice chair of Cozen O'Connor’s Global Insurance Department, has received the Pro Bono Service Award for her outstanding pro bono contributions to the Georgia Legal Services Program (GLSP) and its Piedmont region.

Alycen Moss Re-Appointed to the Federation of Defense & Corporate Counsel’s Board of Directors

August 09, 2024

ATLANTA, August 9, 2024 – Alycen A. Moss, co-vice chair and Eastern regional manager of Cozen O'Connor’s Global Insurance Department, has been appointed to the Federation of Defense & Corporate Counsel's board of directors for 2024 – 2025.

Stephen Pate Named President-Elect of the American College of Coverage Counsel

May 01, 2024

CHICAGO, May 1, 2024 — Stephen P. Pate, member of the Global Insurance Department and co-chair of the property insurance practice, has been named president-elect of the American College of Coverage Counsel (ACCC) at the Annual Business Meeting at the 2024 Annual Meeting in Chicago, Illinois.

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Contacts

Stephen P. Pate

Co-Chair, Property Insurance Group

spate@cozen.com

(832) 214-3957

Paul Ferland

Co-Chair, Property Insurance Group

pferland@cozen.com

(212) 453-3914

People

Awards

Six Cozen O’Connor Attorneys Named to 2025 Georgia Super Lawyers List

February 19, 2025

Lyn Dodson, Kenan Loomis, and Alycen Moss are listed as Super Lawyers; Luciana Aquino, Samuel M. Lyon, and Saskia H. Olczak were named Rising Stars.

Two Texas Attorneys Named 2024 Super Lawyers

September 17, 2024

Stephen P. Pate and A. Martin Wickliff, Jr. were recognized as 2024 Texas Super Lawyers.

Two Cozen O’Connor Attorneys Named 2023 Texas Super Lawyers

September 19, 2023

HOUSTON, September 18, 2023 – Two Cozen O’Connor attorneys were named 2023 Texas Super Lawyers. Joseph A. Ziemianski and Stephen P. Pate were recognized for Insurance Coverage.

Alycen Moss Appointed to the Federation of Defense & Corporate Counsel’s Board of Directors

August 10, 2023

ATLANTA, August 10, 2023 – Alycen A. Moss, co-vice chair of Cozen O'Connor’s Global Insurance Department, has been appointed to the Federation of Defense & Corporate Counsel's Board of Directors for 2023-2024.

Business Today Names 32 Cozen O'Connor Attorneys to Its Top 10 Lists

July 28, 2023

These lists recognize lawyers “mastering,” “leading,” “revolutionizing,” and “dominating” their fields in their respective states and nationwide.

Alycen Moss Named a 2023 Recipient of the FDCC’s Joseph R. Olshan Award

July 28, 2023

Alycen A. Moss, co-vice chair of the Global Insurance Department and co-chair of the firm’s Property Insurance Group, has been named a 2023 recipient of the Federation of Defense & Corporate Counsel’s Joseph R. Olshan Award.

Alycen Moss Selected to Law360’s 2023 Insurance Authority Property Editorial Advisory Board

July 12, 2023

ATLANTA – Wednesday, July 12, 2023 - Alycen Moss, a member of Cozen O'Connor's Global Insurance Department, has been named one of Law 360's 2023 Insurance Authority Property Editorial Advisory Board members.

Alycen Moss Named the CLM’s Claim’s Management Professional of the Year

March 29, 2022

Cozen O’Connor is pleased to announce that Alycen Moss, co-chair of the firm’s Property Insurance Group and co-vice chair of the firm’s Global Insurance Department, has been named the Claims and Litigation Management Alliance’s Litigation Management Professional of the Year.

More Than 205 Cozen O’Connor Attorneys Named Best Lawyers and Ones to Watch By The Best Lawyers In America

August 19, 2021

Best Lawyers selected 210 Cozen O’Connor lawyers from 23 of the firm’s nationwide offices for inclusion in the 2022 edition of The Best Lawyers in America.

Related Practice Areas

Related Blogs

Property Insurance Law Observer

Covering first-party decisions and developments.

Avoiding Insurance Bad Faith

Covering state and federal bad faith decisions and practices impacting insurers.

Cyber Law Monitor

Following current trends in cyber, privacy, and data security law.

Upcoming Event:

2024 Year in Review of Bad Faith Cases and Beyond

Webinar 04/23/2025

Gregory S. Hudson and Mistee Verhulp will present a Cozen O'Connor webinar titled "2024 Year in Review of Bad Faith Cases and Beyond."

Event Details

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