# Burl Daniel - Insurance Expert Witness

> A WordPress-powered website.

Language: en
URL: https://www.burldaniel.com/

All pages on this site are available as clean Markdown by adding the header `Accept: text/markdown` to any HTTP request.
REST API: https://www.burldaniel.com/wp-json/mescio-for-agents/v1/markdown?url={page_url}

## Pages

- [Directors & Officers Liability Insurance Expert Witness Cases](https://www.burldaniel.com/directors-officers-liability-insurance-expert-witness-cases/)
- [Business Interruption/Business Income Insurance Expert Witness Cases](https://www.burldaniel.com/business-interruptionbusiness-income-insurance-expert-witness-cases/)
- [Property Insurance Expert Witness Cases](https://www.burldaniel.com/property-insurance-expert-witness-cases/)
- [Insurance Bad Faith Expert Witness Cases](https://www.burldaniel.com/insurance-bad-faith-expert-witness-cases/)
- [Insurance Expert Witness Cases](https://www.burldaniel.com/insurance-expert-witness-cases/)
- [Insurance Expert Witness Expertise](https://www.burldaniel.com/insurance-expert-witness-expertise/)
- [Insurance Expert Witness Burl Daniel’s Curriculum Vitae](https://www.burldaniel.com/insurance-expert-witness-curriculum-vitae/)
- [Contract Surety Bonding](https://www.burldaniel.com/construction-contractors/contract-surety-bonding/)
- [Construction / Contractors](https://www.burldaniel.com/construction-contractors/)
- [Personal Umbrella Insurance Expert Witness](https://www.burldaniel.com/personal-umbrella-insurance-expert-witness/)
- [Homeowner’s Insurance Expert Witness](https://www.burldaniel.com/homeowners-insurance-expert-witness/)
- [Flood Insurance Expert Witness Cases](https://www.burldaniel.com/flood-insurance-expert-witness-cases/)
- [Inland Marine Insurance Expert Witness Cases](https://www.burldaniel.com/inland-marine-insurance-expert-witness-cases/)
- [Commercial Ocean Marine Insurance Expert Witness Cases](https://www.burldaniel.com/commercial-ocean-marine-insurance-expert-witness-cases/)
- [Workers Compensation Expert Witness Cases](https://www.burldaniel.com/workers-compensation-expert-witness-cases/)
- [Professional Liability / Errors & Omissions Insurance Expert Witness Cases](https://www.burldaniel.com/professional-liability-errors-omissions-insurance-expert-witness-cases/)
- [Claims Made Liability Insurance Expert Witness Cases](https://www.burldaniel.com/claims-made-liability-insurance-expert-witness-cases/)
- [Commercial Umbrella / Excess Liability Expert Witness Cases](https://www.burldaniel.com/commercial-umbrella-excess-liability-expert-witness-cases/)
- [Pollution / Environmental Liability Insurance Expert Witness Cases](https://www.burldaniel.com/pollution-environmental-liability-insurance-expert-witness-cases/)
- [Product / Completed Operations Liability Insurance Expert Witness Cases](https://www.burldaniel.com/product-completed-operations-liability-insurance-expert-witness-cases/)
- [Commercial Auto Liability Insurance Expert Witness Cases](https://www.burldaniel.com/commercial-auto-liability-insurance-expert-witness-cases/)
- [Commercial General Liability Insurance Expert Witness Cases](https://www.burldaniel.com/commercial-general-liability-insurance-expert-witness-cases/)
- [Crime Insurance / Fidelity Bonds Expert Witness Cases](https://www.burldaniel.com/crime-insurance-fidelity-bonds-expert-witness-cases/)
- [Boiler & Machinery/Equipment Breakdown Insurance Expert Witness Cases](https://www.burldaniel.com/boiler-machineryequipment-breakdown-insurance-expert-witness-cases/)
- [Personal Auto Insurance Expert Witness](https://www.burldaniel.com/personal-auto-insurance-expert-witness/)
- [Personal Lines Expert](https://www.burldaniel.com/personal-lines-expert/)
- [Excess & Surplus Lines Insurance Expert Witness](https://www.burldaniel.com/excess-and-surplus-lines-insurance-expert-witness/)
- [Commercial Ocean Marine Insurance Expert Witness](https://www.burldaniel.com/commercial-ocean-marine-insurance-expert-witness/)
- [Inland Marine Insurance Expert Witness](https://www.burldaniel.com/inland-marine-insurance-expert-witness/)
- [Flood Insurance Expert Witness](https://www.burldaniel.com/flood-insurance-expert-witness/)
- [Business Income Insurance Expert Witness](https://www.burldaniel.com/business-interruption-insurance-expert-witness/)
- [Property Insurance Expert Witness](https://www.burldaniel.com/property-insurance-expert-witness/)
- [Property Insurance Expert](https://www.burldaniel.com/property/)
- [Insurance Bad Faith Expert Witness](https://www.burldaniel.com/insurance-bad-faith-expert-witness/)
- [Standard of Care Expert](https://www.burldaniel.com/standard-of-care/)
- [Agents Errors and Omissions Insurance Expert Witness](https://www.burldaniel.com/insurance-agents-errors-and-omissions-expert-witness/)
- [Insurance Agents Errors and Omissions Expert Witness Cases](https://www.burldaniel.com/agents-errors-and-omissions-expert-witness-cases/)
- [Boiler Machinery Equipment Breakdown Insurance Expert Witness](https://www.burldaniel.com/boiler-machinery-equipment-breakdown-insurance-expert-witness/)
- [Crime Insurance Fidelity Bonds Insurance Expert Witness](https://www.burldaniel.com/crime-insurance-fidelity-bonds-insurance-expert-witness/)
- [Liability Insurance Expert Witness](https://www.burldaniel.com/liability-insurance-expert-witness/)
- [Employment Practices Liability Insurance Expert Witness](https://www.burldaniel.com/employment-practices-liability-insurance-expert-witness/)
- [Directors & Officers Liability Insurance Expert Witness](https://www.burldaniel.com/directors-officers-liability-insurance-expert-witness/)
- [Worker’s Compensation Insurance Expert Witness](https://www.burldaniel.com/workers-compensation-insurance-expert-witness/)
- [Professional Liability Errors & Omissions Insurance Expert Witness](https://www.burldaniel.com/professional-liability-errors-omissions-liability-insurance-expert-witness/)
- [Claims Made Liability Insurance Expert Witness](https://www.burldaniel.com/claims-made-liability-insurance-expert-witness/)
- [Commercial Umbrella / Excess Liability Insurance Expert Witness](https://www.burldaniel.com/commercial-umbrella-excess-liability-insurance-expert-witness/)
- [Pollution Environmental Liability Insurance Expert Witness](https://www.burldaniel.com/pollution-environmental-liability-insurance-expert-witness/)
- [Product Completed Operations Liability Insurance Expert Witness](https://www.burldaniel.com/product-completed-operations-liability-insurance-expert-witness/)
- [Commercial Auto Liability Insurance Expert Witness](https://www.burldaniel.com/commercial-auto-liability-insurance-expert-witness/)
- [Commercial General Liability Insurance Expert Witness](https://www.burldaniel.com/commercial-general-liability-insurance-expert-witness/)

## Blog Posts

- [April 2025](https://www.burldaniel.com/april-2025/) (2025-11-03): Engaged by plaintiff counsel to opine on suitability, coverage availability, and premium range of Employment Practices Liability for a home services company.  Dispute involved former CEO who failed to procure coverage, then sued her employer after termination for cause.  House
- [February 2025](https://www.burldaniel.com/february-2025-2/) (2025-11-03): Engaged by policyholder counsel to review and opine on Insurance Bad Faith claims handling for a Homeowners policy wind/hail loss.  Carrier’s inspection report created contradictions in stating “No storm damage” but attached pictures citing “Storm damage caused by Hail”.  Case
- [February 2025](https://www.burldaniel.com/february-2025/) (2025-11-03): Engaged by policyholder counsel to analyze Insurance Bad Faith claims handling for a hailstorm loss under a Homeowners policy.  Dispute involved carrier reticence to understand when resulting water damage had occurred.  Olson v. Esurance, Civil Action No. 2024-CV-30899 In Adams
- [What Is an Insurance Expert Witness?](https://www.burldaniel.com/what-is-an-insurance-expert-witness/) (2025-07-31): Learn what is an insurance expert witness and their critical role in litigation. Discover how insurance expert witnesses provide specialized testimony on coverage disputes, bad faith claims, and industry standards.
- [September 2024](https://www.burldaniel.com/september-2024/) (2024-09-01): Engaged by plaintiff’s counsel to review allegations of bad faith claims handling for a total loss collision.  The insurance carrier agreed to pay the loss then changed positions.  Attorney Eric Bensamochan, The Bensamochan Law Firm Inc.  (818) 574-5740, Steel v.
- [July 2024](https://www.burldaniel.com/july-2024-3/) (2024-07-03): Engaged by plaintiff’s counsel to evaluate carrier’s investigation and claims handling conduct following a building collapse loss.  Case included issues of potential vacancy and severely underinsured building values despite agent’s inspection, Replacement Cost calculations, and notice from the underwriter of
- [July 2024](https://www.burldaniel.com/july-2024-2/) (2024-07-01): Engaged by plaintiff counsel to review and analyze Insurance Bad Faith allegations regarding an automobile accident that resulted in major bodily injuries.  Insurance carrier was insurer for both parties involved in the accident.  Settlement offer for plaintiff was deemed woefully
- [July 2024](https://www.burldaniel.com/july-2024/) (2024-07-01): Engaged by plaintiff’s counsel as a consulting expert to review case documents and render a rebuttal report regarding a building collapse that was the result of sources hidden from view and unknown to plaintiff.  Defendant denied claim causing the dispute
- [June 2024](https://www.burldaniel.com/june-2024-3/) (2024-06-03): Engaged by defense counsel of three carriers to evaluate allegations of bad faith claims handling under a large property coverage tower.  Coverage provided by the three carriers would not attach until hail damage to Lubbock public schools exceeded $50,000,000.  The
- [June 2024](https://www.burldaniel.com/june-2024-2/) (2024-06-02): Engaged by policyholder counsel to provide analysis of water loss versus flood perils after a fire hydrant was damaged during snow removal, causing extensive water damage to two houses.  Dispute resulted after carrier erroneously denied the water damage claims citing
- [June 2024](https://www.burldaniel.com/june-2024/) (2024-06-01): Retained by policyholder counsel to opine on carrier claims handling custom and practice.  Dispute arose from inordinately long carrier delays during claim investigation.  Claim involved a roof collapse from heavy snowstorms at insured’s vacation home, and subsequent carrier failures to
- [May 2024](https://www.burldaniel.com/may-2024-2/) (2024-05-30): Engaged by counsel defending a Surplus Lines Brokers against allegations of improper procurement of a Warehouseman’s Legal Liability (bailee’s) policy.  The Surplus Lines Broker had placed the coverage requested by the agent.  Dispute arose following carrier claim denial for a
- [May 2024](https://www.burldaniel.com/may-2024/) (2024-05-30): Engaged by wholesale intermediary’s defense counsel to assess placement issues for surplus lines Warehouseman’s Legal Liability insurance. Dispute arose following carrier’s denial of a fire loss to goods stored at a warehouseman’s location. Attorney Joe Campo, Lewis Brisbois Bisgaard &
- [April 2024](https://www.burldaniel.com/april-2024-2/) (2024-04-02): Engaged by defense counsel to assess plaintiff’s valuation of Workers Compensation subrogation claims against Commercial Auto and Umbrella policies resulting from a fatality trucking accident.  The valuation process was complicated by plaintiff’s Workers Compensation being structured as a large deductible
- [April 2024](https://www.burldaniel.com/april-2024/) (2024-04-01): Engaged by plaintiff’s counsel to analyze allegations of Commercial Auto Insurance Bad Faith claims regarding a multiple fatality motor vehicle accident, including interaction with Hired/Nonowned autos coverage and Workers Compensation.  Plaintiffs were the survivors of one of the deceased. Attorney
- [March 2024](https://www.burldaniel.com/march-2024-4/) (2024-03-31): Engaged by carrier’s defense counsel as a consulting expert to analyze issues of alleged Uninsured Motorist Insurance Bad Faith claim handling.  Dispute arose over whether injuries claimed under Uninsured Motorist coverage were due to prior injuries.   Attorney Kelsie Sullivan, Richards &
- [March 2024](https://www.burldaniel.com/march-2024/) (2024-03-30): Engaged by carrier’s defense counsel to evaluate homeowners coverage issues and address allegations of insurance bad faith claims handling.  Dispute resulted after a carrier’s denial of a total fire loss to a dwelling (including rental income) insured under a homeowners
- [March 2024](https://www.burldaniel.com/march-2024-3/) (2024-03-30): Engaged by policyholder counsel to analyze Agent Errors & Omissions and Insurance Bad Faith claims handling.  Despite specific policyholder requests to agent, one building was severely underinsured and another not listed on the policy when back-to-back windstorms caused extensive damage. 
- [March 2024](https://www.burldaniel.com/march-2024-2/) (2024-03-30): Engaged by carrier’s defense counsel to review allegations of Insurance Bad Faith claims handling regarding a dwelling rented to a tenant but covered under a Homeowner policy.  The court held that the carrier properly denied a total fire loss based
- [December 2023](https://www.burldaniel.com/december-2023/) (2023-12-30): Engaged by third-party plaintiff counsel to analyze Commercial Auto coverage structure under a tower of carriers insuring a trucking company.  Case involved multiple fatalities and required analysis of which carriers owed the judgment and to which plaintiffs.  Attorney Jeff Richter,
- [December 2023](https://www.burldaniel.com/december-2023-2/) (2023-12-15): Carrier defense counsel engagement to evaluate coverage issues for a dwelling total fire loss during Colorado wildfires.  Case required analysis as to whether a surplus lines carrier had any duty relative to setting limits of insurance relative to replacement cost
- [November 2023](https://www.burldaniel.com/november-2023/) (2023-11-30): Engaged by policyholder counsel to analyze Pollution Liability coverage and underwriting issues following denial of a bodily injury claim from a carbon monoxide leak.  Engagement required analysis of claims-made renewal underwriting, first party cleanup vs. third party liability, and bad
- [October 2023](https://www.burldaniel.com/october-2023/) (2023-10-30): Engaged by defense counsel to address allegations of insurance bad faith for a claim denial under a nursing home professional liability policy.  Claim denial was premised on policyholder’s failure to disclose “circumstances related” to a prior claim on the renewal
- [September 2023](https://www.burldaniel.com/september-2023/) (2023-09-30): Engaged by carrier’s defense counsel to analyze allegations of Insurance Bad Faith for carrier actions in revising Workers Compensation class codes to accurately assign payroll to NCCI class codes.  Case required analysis of years of policyholder failing to apply payrolls
- [August 2023](https://www.burldaniel.com/august-2023/) (2023-08-30): Engaged by carrier’s defense counsel to analyze claims handling of an Underinsured Motorist claim resulting from a low-speed accident.  The claim was complicated by the policyholder’s son having his own Personal Auto Policy, reporting the injury 5 months after the
- [July 2023](https://www.burldaniel.com/july-2023/) (2023-07-30): Engaged by carrier’s defense counsel to assess coverage and claims handling issues for a sprinkler system leak claim at a high value vacant dwelling and whether a surplus lines intermediary has any duty to advise a policyholder.  The policyholder had
- [May 2023](https://www.burldaniel.com/may-2023/) (2023-05-30)
- [March 2023](https://www.burldaniel.com/march-2023/) (2023-03-30)
- [February 2023](https://www.burldaniel.com/february-2023-2/) (2023-02-28): Engaged by counsel for receiver/policyholder to evaluate Commercial General Liability and Pollution Liability relative to Insurance Bad Faith claims handling under 1980s policies with no pollution exclusions.  The case was complicated by overlay of workers compensation coverage, contractual liability, and
- [February 2023](https://www.burldaniel.com/february-2023/) (2023-02-28)
- [January 2023](https://www.burldaniel.com/january-2023/) (2023-01-30): Engaged by policyholder counsel seeking recovery for construction defect claims resulting from installation of faulty pipe under the Houston Ship Channel. Case required contrasting coverage analysis of contractor’s Commercial General Liability versus manufacturer’s Products Liability, plus Insurance Bad Faith relative
- [December 2022](https://www.burldaniel.com/december-2022/) (2022-12-30)
- [November 2022](https://www.burldaniel.com/november-2022/) (2022-11-30)
- [August 2022](https://www.burldaniel.com/august-2022/) (2022-08-28): Engaged by plaintiff’s counsel to analyze Insurance Bad Faith claims handling relative to a drilling company after its transition to self-insured and Workers Compensation coverage (previously provided by its PEO) and Commercial General Liability.  Carrier provided the initial Excess Workers
- [June 2022](https://www.burldaniel.com/june-2022/) (2022-06-30)
- [June 2022](https://www.burldaniel.com/june-2022-2/) (2022-06-15): Engaged by defense counsel to evaluate carrier’s investigation and claims handling conduct for a loss under a Financial Institution Crime policy.  The dispute resulted after a claim for loan losses was denied based on the loss not resulting from employee
- [April 2022](https://www.burldaniel.com/april-2022/) (2022-04-30): Engaged by policyholder counsel to analyze and opine bad faith claims handling issues under a homeowners policy.  Dispute arose following a substantial water loss, inept remediation efforts, and lengthy delays in adjusting the claim.  Attorney Tom Anderson, Thomson, Rhodes &
- [March 2022](https://www.burldaniel.com/march-2022-2/) (2022-03-30)
- [March 2022](https://www.burldaniel.com/march-2022/) (2022-03-30)
- [February 2022](https://www.burldaniel.com/february-2022/) (2022-02-28)
- [January 2022](https://www.burldaniel.com/january-2022/) (2022-01-08)
- [December 2021](https://www.burldaniel.com/december-2021/) (2021-12-30)
- [November 2021](https://www.burldaniel.com/november-2021/) (2021-11-30)
- [October 2021](https://www.burldaniel.com/october-2021/) (2021-10-30)
- [September 2021](https://www.burldaniel.com/september-2021/) (2021-09-30)
- [July 2021](https://www.burldaniel.com/july-2021/) (2021-07-01)
- [June 2021](https://www.burldaniel.com/june-2021/) (2021-06-30)
- [June 2021](https://www.burldaniel.com/june-2021-2/) (2021-06-28)
- [May 2021](https://www.burldaniel.com/may-2021/) (2021-05-08)
- [April 2021](https://www.burldaniel.com/april-2021/) (2021-04-30)