About the Author

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Leonard E. Murphy is Vice President and General Counsel of the Property Loss Research Bureau and a vice-chair of the TIPS Property Insurance Law Committee. Andrew B. Downs is a shareholder in the firm of Bullivant Houser Bailey PC resident in its San Francisco Office. Jay M. Levin is in the Philadelphia office of Reed Smith, LLP, where he is a member of the Insurance Recovery Group, focusing his practice on representing policyholders in disputes with insurance companies, including complex property insurance disputes.