Insurance
Sep. 29, 2026
Standing under a lender-placed policy: When can homeowners enforce the lender's insurance?
Lender-placed insurance policies are becoming an important issue in California wildfire litigation, raising difficult questions about when homeowners who are not named insureds can nevertheless sue insurers as third-party beneficiaries for fire and smoke damage.
The mass wildfires that continue to impact California, most recently the Palisades and Eaton fires in Los Angeles County, have generated waves of litigation. Among the most common claims are suits by homeowners against their insurers over fire and smoke damage to their homes. Most of these claims are brought by homeowners under policies issued directly to them. But some of the disputes involve claims by homeowners under policies issued to their lenders, a potential source of complication.<...
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