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PUBLISHED WORK


The Coinsurance Clause in Property Insurance Policies
Earlier this year, an attorney referred to me a case involving fire damage to a restaurant after the referring attorney couldn’t get the claim paid without litigation. The fire had destroyed the building and business personal property of the referring attorney’s client.

Rabih Hamawi
May 164 min read
21


The Often-Misunderstood Certificate of Insurance
It would be hard to find anything in the area of liability insurance that is more misunderstood than the certificate of insurance. It’s...

Rabih Hamawi
Apr 256 min read
16


First Named Insured, Named Insureds, Described Insureds, Additional Insureds, and Additional Named Insureds
This topic may sound simple, but like many insurance topics, it has a few wrinkles. Naturally, the question begins with what “insured”...

Rabih Hamawi
Feb 85 min read
188


The Reservation of Rights and Denial Letters
Whether you are the plaintiff or the defendant in a tort case, you can count on being on the receiving end of a reservation of rights...

Rabih Hamawi
Oct 14, 20247 min read
276


Rabih Hamawi: From Insurance Agent to Insurance Lawyer
Sometimes seminal moments in one’s life can change a career path. For Rabih Hamawi (Story Class, 2015), who at the time, owned and...

Rabih Hamawi
Oct 25, 20234 min read
73


Occurrence-Based and Claims-Made Insurance Policies
Generally, there are two types of liability insurance policies: occurrence-based and claims-made policies. Occurrence-based are the more...

Rabih Hamawi
Jun 2, 20236 min read
284


Insurable Losses: Fortuity, Loss in Progress, and Known Risk
Author’s note. This article is the first of what is intended to be a continuing series on topics related to insurance and indemnity law...

Rabih Hamawi
Feb 24, 20235 min read
984


MiLW Announces its Class of 2020 Up & Coming Lawyers
This program honors Michigan lawyers who have established a name for themselves by displaying the ambition, drive, and accomplishments...

Rabih Hamawi
Nov 30, 20202 min read
36


Michigan Lawyers Weekly: Insurer’s Failure to Pay Leads to Settlement, Sanctions
This is an action for damages arising out of a fire that destroyed plaintiff Antwan Herman’s commercial property and his business...

Rabih Hamawi
Sep 13, 20203 min read
120


Coronavirus (Covid-19) And Business Income Insurance
March 26, 2020—Over the past week, I have received many calls from business owners asking if they may recover Business-Income losses...

Rabih Hamawi
Apr 20, 20203 min read
40


Michigan's Renewal Rule: The Insured's Last Resort
According to the Insurance Information Institute, insurance companies wrote total net premiums of $1.2 trillion in 2017.1 Based on my...

Rabih Hamawi
Mar 1, 20197 min read
270


An Insured's Post-Loss Duty to Cooperate in Property Insurance Policies
Most property insurance policies, such as homeowners, dwelling fires, or commercial property policies, contain many duties and...

Rabih Hamawi
Jan 1, 20188 min read
576


“Other Insurance” Clauses in Property and Liability Insurance Policies: Frequently Misunderstood
Most property and liability insurance policies contain “other insurance” clauses that insurers insert to restrict or limit their liab...

Rabih Hamawi
Apr 2, 20175 min read
237


Insurable Interest and a Claimant’s Status in Property Insurance Policies
Claimants in first party property-damage cases may believe that being the named insured on the Declarations of a property insur...

Rabih Hamawi
Oct 4, 20164 min read
178
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