Hunton Insurance Recovery Blog

They say lightning never strikes the same place twice, but for two policyholders who were burglarized in back-to-back years, it did, and a simple paperwork mix-up may have cost them their insurance coverage.  Their complaint alleges that Lemonade, their insurer, unfairly denied claims from a 2025 burglary because receipts that had been submitted with a 2024 burglary claim were inadvertently submitted again.  

The complaint raises interesting questions about how insurers detect fraud and the appropriate approach when discrepancies are identified.  What responsibility do insurers have to further investigate and allow the policyholder to explain?  These questions will become increasingly important the more that parties rely on AI in connection with insurance claims, increasing the likelihood that potential errors blossom into coverage disputes.

The complaint can be found here.

In November 2023 and January 2024, Hunton Andrews Kurth LLP released the first two issues of its AI and Emerging Technologies Newsletter. Both publications featured contributions from insurance coverage partner Michael Levine and associate Alex Pappas, which analyze significant issues at the intersection of insurance and AI.  

Hunton Andrews Kurth LLP is pleased to announce the release of the inaugural edition of our AI and Emerging Technologies Newsletter. The newsletter focuses on multidisciplinary, current topics affecting businesses in the AI and emerging technology industry. Inside our first edition, we cover a bit of what you need to know about AI in the context of contract terms and conditions, US privacy laws, insurance, employer use monitoring and workforce management, and copyright law, as well as the rise in crypto class actions. Our first edition also includes an article written by insurance ...