Start here: insurance policies are contracts, and courts have addressed many recurring property-claim disputes — appraisal, suit deadlines, depreciation, denial letters, and more. Below is every decision we rely on, in the court's own words and without firm commentary underneath. Free, no login, nothing to sign up for.
140decisions on the shelf
140published as complete opinions
14claim-fight topics covered
1905earliest decision on the shelf
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Showing all 140 decisions.
Georgia (79)
2024 · Appraisal · Post-loss duties · Policy wording & definitions · full textCudd v. State Farm Mutual Automobile Insurance CompanyRead the decision →2021 · Appraisal · Policy wording & definitions · full textOmni Health Solutions, LLC v. Zurich American Insurance CompanyRead the decision →2019 · Bad faith · full textVilla Sonoma at Perimeter Summit Condominium Association, Inc. v. Commercial Industrial Building Owners Alliance, Inc.Read the decision →2018 · Bad faith · full textThompson v. Homesite Insurance Company of Georgia; and vice versaRead the decision →2017 · Appraisal · full textClary v. Allstate Fire and Casualty Insurance Co.Read the decision →2016 · Post-loss duties · Policy wording & definitions · full textR&G Investments & Holdings, LLC v. American Family Insurance CompanyRead the decision →2015 · Coverage & exclusions · Bad faith · Policy wording & definitions · full textAuto-Owners Insurance Company v. NeislerRead the decision →2014 · Coverage & exclusions · Policy wording & definitions · full textAmerican Strategic Insurance Corp. v. HelmRead the decision →2014 · Bad faith · full textHenderson et al. v. Georgia Farm Bureau Mutual Insurance CompanyRead the decision →2014 · Appraisal · full textLam v. Allstate Indemnity Co.Read the decision →2013 · Coverage & exclusions · Policy wording & definitions · full textGeorgia Farm Bureau Mutual Insurance Company v. Croft et al.Read the decision →2013 · Valuation & depreciation · Policy wording & definitions · full textGeorgia Farm Bureau Mutual Insurance Company v. FranksRead the decision →2013 · Coverage & exclusions · Policy wording & definitions · full textTaylor Morrison Services, Inc. v. HDI-Gerling America Insurance CompanyRead the decision →2012 · Appraisal · Policy wording & definitions · full textBell v. Liberty Mutual Fire Insurance CompanyRead the decision →2012 · Valuation & depreciation · full textRoyal Capital Development, LLC v. Maryland Casualty Co.Read the decision →2012 · Post-loss duties · Assignment of benefits · Coverage & exclusions · full textState Farm Fire & Casualty Company v. King Sports, Inc. — Eleventh Circuit AffirmanceRead the decision →2012 · Deadlines · full textWhite v. State Farm Fire & Casualty Co.Read the decision →2011 · Coverage & exclusions · Bad faith · Policy wording & definitions · full textLandmark American Insurance Company v. KhanRead the decision →2011 · Post-loss duties · Assignment of benefits · Coverage & exclusions · full textState Farm Fire & Casualty Company v. King Sports, Inc.Read the decision →2009 · Coverage & exclusions · Policy wording & definitions · full textState Farm Mutual Automobile Insurance Company v. StatonRead the decision →2008 · Deadlines · Policy wording & definitions · full textAllstate Insurance Company v. Sutton et al.; PJ Services, Inc. v. Sutton et al.; Sutton et al. v. Allstate Insurance Company et al.Read the decision →2008 · Coverage & exclusions · Policy wording & definitions · full textNationwide Mutual Fire Insurance Co. v. KimRead the decision →2008 · Coverage & exclusions · Policy wording & definitions · full textReed v. Auto-Owners Insurance CompanyRead the decision →2007 · Coverage & exclusions · Bad faith · Policy wording & definitions · full textCertain Underwriters at Lloyd's of London v. Rucker Construction, Inc.Read the decision →2006 · Coverage & exclusions · Policy wording & definitions · full textAuto-Owners Insurance Company v. ParksRead the decision →2006 · Appraisal · full textMcGowan v. Progressive Preferred Insurance Co.Read the decision →2006 · Coverage & exclusions · Policy wording & definitions · full textVarsalona et al. v. Auto-Owners Insurance CompanyRead the decision →2004 · Bad faith · full textSelective Way Insurance Company v. Litigation Technology, Inc.Read the decision →2003 · Coverage & exclusions · Policy wording & definitions · full textAFLAC Incorporated v. Chubb & Son, Inc.Read the decision →2003 · Post-loss duties · full textEvans v. Ohio Casualty Insurance Company et al.Read the decision →2002 · Waiver & estoppel · full textAuto-Owners Insurance Company v. OgdenRead the decision →2001 · Coverage & exclusions · Policy wording & definitions · full textGeorgia Farm Bureau Mutual Insurance Company v. MeyersRead the decision →2001 · Post-loss duties · full textGilbert v. Southern Trust Insurance CompanyRead the decision →2001 · Valuation & depreciation · full textState Farm Mutual Automobile Insurance Company v. Mabry et al.Read the decision →2001 · Causation · Policy wording & definitions · full textYork Insurance Company v. Williams Seafood of Albany, Inc.Read the decision →1998 · Coverage & exclusions · Policy wording & definitions · full textBoardman Petroleum, Inc. v. Federated Mutual Insurance CompanyRead the decision →1998 · Post-loss duties · full textCotton States Mutual Insurance Company v. Walker et al.Read the decision →1998 · Valuation & depreciation · Policy wording & definitions · full textMarchman v. Grange Mutual Insurance CompanyRead the decision →1996 · Waiver & estoppel · Deadlines · full textAppleby v. Merastar Insurance CompanyRead the decision →1996 · Appraisal · full textEberhardt v. Georgia Farm Bureau Mutual Insurance CompanyRead the decision →1996 · Coverage & exclusions · Policy wording & definitions · full textHurst v. Grange Mutual Casualty CompanyRead the decision →1996 · Post-loss duties · full textKHD Deutz of America Corporation v. Utica Mutual Insurance CompanyRead the decision →1996 · Valuation & depreciation · full textNationwide Mutual Fire Insurance Company v. WileyRead the decision →1996 · Coverage & exclusions · Policy wording & definitions · full textPark 'N Go of Georgia, Inc. v. United States Fidelity & Guaranty CompanyRead the decision →1995 · Bad faith · full textPrimerica Life Insurance Co. v. HumfleetRead the decision →1994 · Assignment of benefits · full textAllianz Life Insurance Company of North America v. RiedlRead the decision →1994 · Coverage & exclusions · Policy wording & definitions · full textHill et al. v. Nationwide Mutual Fire Insurance CompanyRead the decision →1993 · Coverage & exclusions · Policy wording & definitions · full textGeorgia Farm Bureau Mutual Insurance Company v. KephartRead the decision →1993 · Bad faith · Assignment of benefits · full textRice v. State Farm Fire & Casualty CompanyRead the decision →1993 · Waiver & estoppel · Deadlines · full textShelter America Corporation v. Georgia Farm Bureau Mutual Insurance CompanyRead the decision →1992 · Post-loss duties · full textDiamonds & Denims, Inc. v. First of Georgia Insurance CompanyRead the decision →1990 · Assignment of benefits · full textSantiago v. Safeway Insurance CompanyRead the decision →1989 · Coverage & exclusions · Policy wording & definitions · full textCantrell v. Nationwide Mutual Fire Insurance CompanyRead the decision →1989 · Coverage & exclusions · Policy wording & definitions · full textClaussen v. Aetna Casualty & Surety CompanyRead the decision →1989 · Valuation & depreciation · full textGeorgia Farm Bureau Mutual Insurance Company v. BrownRead the decision →1988 · Waiver & estoppel · Deadlines · full textBowers v. Safeco Insurance Company of AmericaRead the decision →1988 · Appraisal · Coverage & exclusions · full textSouthern General Insurance Company v. KentRead the decision →1987 · Post-loss duties · Waiver & estoppel · Assignment of benefits · full textCanal Insurance Company v. Savannah Bank & Trust Co.Read the decision →1986 · Coverage & exclusions · Policy wording & definitions · full textNationwide Mutual Fire Insurance Company v. TomlinRead the decision →1985 · Valuation & depreciation · full textAllstate Insurance Company v. Baugh et al.Read the decision →1985 · Valuation & depreciation · full textBraner v. Southern Trust Insurance Company; and vice versaRead the decision →1985 · Valuation & depreciation · full textBSF, Inc. v. Cason et al.; Cason v. BSF, Inc.Read the decision →1985 · Post-loss duties · full textHalcome et al. v. Cincinnati Insurance CompanyRead the decision →1983 · Coverage & exclusions · Policy wording & definitions · full textRichards v. Hanover Insurance CompanyRead the decision →1983 · Waiver & estoppel · Post-loss duties · full textSargent v. Allstate Insurance CompanyRead the decision →1978 · Coverage & exclusions · Policy wording & definitions · full textGeorgia Farm Bureau Mutual Insurance Company v. WashingtonRead the decision →1976 · Waiver & estoppel · Post-loss duties · full textState Farm Mutual Automobile Insurance Company v. WrightRead the decision →1972 · Bad faith · full textHanover Insurance Co. v. HallfordRead the decision →1967 · Coverage & exclusions · Policy wording & definitions · full textState Farm Mutual Automobile Insurance Company v. SewellRead the decision →1965 · Valuation & depreciation · full textAmerican Casualty Company of Reading, Pa. v. Parks-Chambers, Inc.Read the decision →1962 · Coverage & exclusions · Policy wording & definitions · full textLoftin v. United States Fire Insurance CompanyRead the decision →1961 · Valuation & depreciation · Policy wording & definitions · full textGeneral Accident Fire & Life Assurance Corporation et al. v. Azar et al.Read the decision →1961 · Valuation & depreciation · full textNational Fire Insurance Company v. BanisterRead the decision →1957 · Appraisal · Deadlines · full textPeeples v. Western Fire Insurance Co.Read the decision →1955 · Appraisal · Coverage & exclusions · full textJordan v. General Insurance Company of AmericaRead the decision →1954 · Post-loss duties · Waiver & estoppel · full textHanover Fire Insurance Company v. ScroggsRead the decision →1952 · Appraisal · full textPacific National Fire Insurance Company v. BeaversRead the decision →1932 · Appraisal · full textNational Fire Insurance Company v. ShumanRead the decision →1905 · Assignment of benefits · full textGeorgia Co-operative Fire Ass'n v. Borchardt & Co.Read the decision →
Tennessee (15)
2019 · Valuation & depreciation · full textGregory J. Lammert, et al. v. Auto-Owners (Mutual) Insurance CompanyRead the decision →2018 · Fraud & misrepresentation · full textGrady Eugene Dutton v. Tennessee Farmers Mutual Insurance CompanyRead the decision →2013 · Appraisal · full textArtist Building Partners and Howard Caughron v. Auto-Owners Mutual Insurance CompanyRead the decision →2009 · Post-loss duties · full textTom Spears, et al. v. Tennessee Farmers Mutual Insurance CompanyRead the decision →2009 · Coverage & exclusions · full textU.S. Bank, N.A., as servicer for the Tennessee Housing Development Agency v. Tennessee Farmers Mutual Insurance CompanyRead the decision →2001 · Appraisal · full textMerrimack Mutual Fire Insurance Co. v. BattsRead the decision →1999 · Post-loss duties · full textKentucky National Insurance Co. v. Robert G. Gardner and Sandra L. GardnerRead the decision →1998 · Post-loss duties · full textDavid Alcazar, Plaintiff-Appellant, v. Christopher Hayes, Defendant, and Government Employees Insurance Company, Defendant-AppelleeRead the decision →1998 · Bad faith · full textWin Myint and wife Patti K. Myint v. Allstate Insurance CompanyRead the decision →1986 · Deadlines · full textDr. Salil K. Das and Anju Das v. State Farm Fire and Casualty CompanyRead the decision →1986 · Bad faith · full textPalmer v. Nationwide Mutual Fire Insurance Co.Read the decision →1984 · Post-loss duties · full textDelbert T. McConkey and wife, Opal Ray McConkey v. Continental Insurance CompanyRead the decision →1973 · Valuation & depreciation · full textHezeskiah Braddock et al. v. Memphis Fire Insurance Corporation et al.Read the decision →1964 · Post-loss duties · full textPhoenix Insurance Company v. Walter and Elsie BrownRead the decision →1943 · Valuation & depreciation · full textThird National Bank v. American Equitable Insurance Co. of New YorkRead the decision →
South Carolina (44)
2023 · Valuation & depreciation · Appraisal · full textWiggins v. State Farm Mutual Automobile Insurance Company — ECF No. 140Read the decision →2022 · Assignment of benefits · Coverage & exclusions · full textPCS Nitrogen, Inc. v. Continental Casualty CompanyRead the decision →2022 · Appraisal · Valuation & depreciation · Policy wording & definitions · full textWiggins v. State Farm Mutual Automobile Insurance Company — ECF No. 41Read the decision →2021 · Valuation & depreciation · Replacement cost · Policy wording & definitions · full textMiriam Butler, individually, and Evelyn Stewart, in her capacity as personal representative of Joseph Stewart, and both on behalf of others similarly situated, Plaintiffs, v. The Travelers Home and Marine Insurance Company, and The Standard Fire Insurance Company, Defendants.Read the decision →2013 · Coverage & exclusions · Policy wording & definitions · full textBennett & Bennett Construction, Inc. v. Auto-Owners Insurance CompanyRead the decision →2013 · Assignment of benefits · full textNarruhn v. Alea London LimitedRead the decision →2010 · Coverage & exclusions · Policy wording & definitions · full textM & M Corporation of South Carolina v. Auto-Owners Insurance CompanyRead the decision →2009 · Coverage & exclusions · Causation · Policy wording & definitions · full textSouth Carolina Farm Bureau Mutual Insurance Company v. DurhamRead the decision →2009 · Coverage & exclusions · Policy wording & definitions · full textSuper Duper Inc. v. Pennsylvania National Mutual Casualty Insurance CompanyRead the decision →2008 · Coverage & exclusions · Policy wording & definitions · full textAmerican Credit of Sumter, Inc. v. Nationwide Mutual Insurance CompanyRead the decision →2003 · Coverage & exclusions · Policy wording & definitions · full textSouth Carolina Farm Bureau Mutual Insurance Company v. OatesRead the decision →2003 · Valuation & depreciation · Coverage & exclusions · Policy wording & definitions · full textSchulmeyer v. State Farm Fire & Casualty CompanyRead the decision →2002 · Bad faith · Policy wording & definitions · full textMixson, Inc. d/b/a The General Store v. American Loyalty Insurance CompanyRead the decision →2002 · Coverage & exclusions · Policy wording & definitions · full textOcean Winds Council of Co-Owners, Inc. v. Auto-Owner Insurance CompanyRead the decision →2001 · Post-loss duties · Policy wording & definitions · full textSouth Carolina Farm Bureau Mutual Insurance Company, Respondent, v. William A. Kelly and Edward Glenn Kelly, Defendants, of whom William A. Kelly is, AppellantRead the decision →2001 · Coverage & exclusions · Bad faith · Policy wording & definitions · full textSunex International, Inc. v. Travelers Indemnity Company of IllinoisRead the decision →2000 · Coverage & exclusions · Policy wording & definitions · full textState Farm Fire & Casualty Company v. BarrettRead the decision →1999 · Coverage & exclusions · Policy wording & definitions · full textMGC Management of Charleston, Inc. v. Kinghorn Insurance AgencyRead the decision →1996 · Bad faith · full textCock-N-Bull Steak House, Inc. v. Generali Insurance CompanyRead the decision →1996 · Bad faith · Claim handling · full textTadlock Painting Company v. Maryland Casualty CompanyRead the decision →1994 · Coverage & exclusions · Policy wording & definitions · full textGreenville County v. Insurance Reserve FundRead the decision →1994 · Post-loss duties · full textSidney Puckett v. State Farm General Insurance CompanyRead the decision →1993 · Coverage & exclusions · Policy wording & definitions · full textUSAA Property & Casualty Insurance Company v. RowlandRead the decision →1992 · Bad faith · Claim handling · full textCrossley v. State Farm Mutual Automobile Insurance CompanyRead the decision →1988 · Causation · full textRichard E. Carter, Appellant v. American Mutual Fire Insurance Company, RespondentRead the decision →1986 · Fraud & misrepresentation · full textMelia R. Johnson v. South State Insurance CompanyRead the decision →1985 · Fraud & misrepresentation · full textCharles McCracken and Carol McCracken v. Government Employees Insurance CompanyRead the decision →1983 · Bad faith · full textCarter v. American Mutual Fire Insurance CompanyRead the decision →1983 · Coverage & exclusions · Policy wording & definitions · full textGambrell v. Travelers Insurance CompaniesRead the decision →1983 · Bad faith · full textLarry O. Nichols v. State Farm Mutual Automobile Insurance CompanyRead the decision →1977 · Coverage & exclusions · Policy wording & definitions · full textSloan Construction Co., Inc. v. Central National Insurance Company of OmahaRead the decision →1976 · Coverage & exclusions · Policy wording & definitions · full textYarborough v. Phoenix Mutual Life Insurance CompanyRead the decision →1975 · Coverage & exclusions · Policy wording & definitions · full textThe Torrington Company v. The Aetna Casualty & Surety CompanyRead the decision →1967 · Replacement cost · Valuation & depreciation · Coverage & exclusions · Policy wording & definitions · full textThe COLUMBIA COLLEGE, Appellant, v. The PENNSYLVANIA INSURANCE COMPANY, RespondentRead the decision →1966 · Coverage & exclusions · Policy wording & definitions · full textBlanton v. Nationwide Mutual Insurance CompanyRead the decision →1966 · Appraisal · Valuation & depreciation · full textHendricks v. American Fire & Casualty CompanyRead the decision →1963 · Post-loss duties · full textA. E. Graham, d/b/a Graham's Grill v. Aetna Insurance Company, Globe & Republic Insurance Company of America, The Eagle Fire Company of New York, and Pearl Assurance Company, Ltd.Read the decision →1961 · Appraisal · Valuation & depreciation · full textChilds v. Allstate Insurance CompanyRead the decision →1961 · Appraisal · Coverage & exclusions · full textMiller v. British America Assurance CompanyRead the decision →1961 · Valuation & depreciation · Replacement cost · Coverage & exclusions · Causation · Policy wording & definitions · full textSOUTH CAROLINA ELECTRIC & GAS COMPANY et al., Respondents, v. AETNA INSURANCE COMPANY et al., AppellantsRead the decision →1958 · Post-loss duties · full textAmerican Mutual Fire Insurance Company v. GreenRead the decision →1956 · Appraisal · Post-loss duties · full textHarwell v. Home Mutual Fire Insurance Co.Read the decision →1935 · Appraisal · full textL. D. Jennings Co., Inc., et al. v. North River Insurance Co.Read the decision →1933 · Bad faith · full textTyger River Pine Co. v. Maryland Casualty Co.Read the decision →
Persuasive — Other Jurisdictions (2)
Comparison only. These Texas and Florida opinions are not governing authority in Georgia, South Carolina, or Tennessee.
Persuasive · Texas · 2026 · not governing GA / SC / TNIn re ACE American Insurance CompanyRead the decision →Persuasive · Florida · 2002 · not governing GA / SC / TNJohnson v. Nationwide Mutual Insurance CompanyRead the decision →Nothing matches that. Try a broader word such as “appraisal”, “bad faith”, “roof”, or “deadline”.
Questions about the library
Is this the complete text of each decision?
Yes for 140 of the 140 decisions on the shelf — the court's own words, start to finish, not a summary standing in for the opinion. Each page states where its text came from and links a source record when available. Case pages contain the opinion only, with no Friedman commentary added.
Why publish cases that help insurance companies?
Because you will meet them anyway. Carriers quote a handful of decisions at policyholders, sometimes for more than the case actually holds. We publish those decisions in full so readers can examine the court's own words instead of relying on somebody else's summary.
Can I use this for my own claim or case?
Yes — read it, print it, cite it, send it to your adjuster. It is free and there is nothing to sign up for. It is general information rather than legal advice, and the outcome of any dispute depends on your own policy language and facts.
Which states does the library cover?
Georgia, Tennessee, and South Carolina are the core state collections. A separate persuasive section includes selected opinions from other jurisdictions for comparison and labels them as non-governing. The earliest decision on the shelf dates to 1905.
Knowing the case is step one. Proving the loss is the job. These decisions tell you what the law allows. Turning that into a paid claim takes documentation, valuation, and a negotiation the carrier takes seriously — that part is ours, and it costs nothing unless we recover.
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