https://oklariskadvisors.com/insights Sourced analysis on property claims, appraisal, insurance litigation statutes, FEMA programs and tribal recovery. en-us Thu, 22 Oct 2026 12:00:00 -0500 https://oklariskadvisors.com/insurance-appraisal-umpire-rules https://oklariskadvisors.com/insurance-appraisal-umpire-rules Thu, 22 Oct 2026 12:00:00 -0500 Chris Chambers Who picks the umpire when appraisers deadlock, and how courts in Texas, Oklahoma, Kansas, Missouri, Arkansas, Colorado, Nebraska and Iowa have treated appraisers and awards, with Texas appraisal data and a one-page chart. https://oklariskadvisors.com/fema-stepping-back-tribal-nations https://oklariskadvisors.com/fema-stepping-back-tribal-nations Wed, 21 Oct 2026 12:00:00 -0500 Chris Chambers FEMA is shifting disaster recovery to states, tribes and territories. What is in effect, what is proposed, and six steps tribal governments can take now. https://oklariskadvisors.com/insurance-appraisal-law-2026 https://oklariskadvisors.com/insurance-appraisal-law-2026 Wed, 21 Oct 2026 12:00:00 -0500 Chris Chambers Where property insurance appraisal stands after In re ACE, Texas Chapter 1813, the Kansas AOB ban and stalled reform bills. https://oklariskadvisors.com/insurance-bad-faith-attorney-fee-statutes https://oklariskadvisors.com/insurance-bad-faith-attorney-fee-statutes Wed, 21 Oct 2026 12:00:00 -0500 Chris Chambers Bad faith, statutory penalties and fee shifting in six states, side by side, with statutes and cases. https://oklariskadvisors.com/fema-obtain-and-maintain-insurance-requirement https://oklariskadvisors.com/fema-obtain-and-maintain-insurance-requirement Wed, 21 Oct 2026 12:00:00 -0500 Chris Chambers How FEMA's obtain and maintain rule can make a repaired facility ineligible in the next disaster, with the statute, regulations, appeal decisions and a checklist.