Christine G. Barlow

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  • 3 ways to assume risk

    December 04, 2017

    Insureds transfer risk in the event something catastrophic may occur, but they still assume some of the cost.

  • Claims of Summer

    June 01, 2014

    Finally the weather has warmed up, the grass is green, and coats are in the closet. It's been a difficult winter for a large part of the country with unusually cold temperatures and plenty of snow.

  • The Condo Conundrum

    August 09, 2013

    Condominium policies can be confusing, and both unit owner and association must adhere to statutes that dictate where coverage is found for certain parts of the building.

  • The Parameters of Flood Insurance

    May 01, 2013

    A family's shed is destroyed by a river of mud. Is it covered? Test your knowledge of water exclusions before hurricane season begins.

  • The Parameters of Flood Insurance

    April 15, 2013

    A family's shed is destroyed by a river of mud. Is it covered? Test your knowledge of water exclusions just in time for disaster season.

  • The Bullying Epidemic

    January 02, 2013

    Technology has made bullying much more pervasive while complicating bodily injury claims and liability.

  • Bullying: Beyond the Schoolyard

    December 20, 2012

    Facebook, Twitter and other social-media sites have helped the bullying of an individual take on a whole new life of its own.

  • A Girl's Best Friend

    October 11, 2012

    Insuring a diamond ring? Better get an appraisal first to determine whether the stones are mined or lab-created.

  • Policy Definitions of Vacancy and Occupancy

    August 29, 2012

    At first glance whether a property is considered "vacant" should seem obvious. Unfortunately, however, it is not nearly as easy to determine as one would hope.

  • Exercise and the Older Worker

    August 02, 2012

    Obesity plus age could be taking a toll on your workersand causing them to take longer to return to work following an injury.

  • Texting While Walking

    June 14, 2012

    A New Jersey town's recent ban on texting while jaywalking created quite an uproarand could save lives.

  • Covering Kid-Run Businesses

    May 14, 2012

    One of the recent Web videos to go viral is about a 9-year-old boy in Los Angeles who built an arcade out of cardboard. Caine Monroy built the machines, has prizes and offers a fun pass that allows the purchaser 500 plays at the arcade for one monthquite a deal.

  • Covering Kid-Run Businesses

    May 04, 2012

    Nine-year-old Caine built an arcade out of cardboard in the front of his father's auto-parts shop.

  • The Matching Game and Pre-Loss Conditions

    April 25, 2012

    Is a carrier obligated to replace undamaged sections of roofing or carpeting following a loss to restore the area to pre-loss condition? Deciphering policy language starts here.

  • Duty After Death

    February 08, 2012

    Your dead body causes injury to someone else, and the court rules that you owe a duty of care.

  • Man’s Best Friend—or Missile?

    January 19, 2012

    It has long been said that dog is mans best friend, and many people feel that way about their family pets. They are so attached to their pets, in fact, that they frequently take them along with them in the carand its not just a ride to the vet. Theyre...

  • Buckle Up Bowzer

    January 13, 2012

    Man's best friend can become a flying missile in a car accidentand your insurance may not cover the damage.

  • Everything In Its Right Place

    November 28, 2011

    ALE coverage is one of those broad coverages that can bedevil adjusters, agents, and insureds alike. Here's a look at all that ALE entails.

  • Before and After

    September 23, 2011

    What steps can an average person take to mitigate their own exposure in the event of an earthquake or hurricane?

  • Under Construction or Renovation?

    August 29, 2011

    There is a solid distinction between a home that is under construction and a home that is being renovated, and that is what determines whether coverage applies.

  • Dog Bite Claims

    May 01, 2011

    Dogs can bite, and they do so enough to warrant the Center for Disease Control (CDC) to keep records of such occurrences.

  • Questions Of Vermin and Rodents

    April 21, 2011

    Come every spring, the questions are the same: Is a skunk a rodent or vermin and therefore excluded under a homeowner's policy? I've got the answer for you.

  • Condo Coverage Conundrums

    March 28, 2011

    Condominiums are a difficult subject in insurance because of the intersection of the unit owner’s policy and the association’s policy. Where exactly do the two policies meet?

  • Cleaning Up the Dead

    March 09, 2011

    Questions about the cleanup of a dead body come up in many homeowners’ claims where an insured died alone or unexpectedly. Is it covered under an insurance policy?

  • Let Them Eat Cake

    February 15, 2011

    No matter how many questions I answer on the subject, there always seems to be another twist or turn on additional living expenses. What is it that makes this so complicated?

  • Insurance Issues for Medical Marijuana

    January 24, 2011

    I'm known for my penchant for writing about unusual topics I find interesting. So it was no surprise to my co-workers when I became fascinated with the insurance issues for medical marijuana providers.

  • When Santa Visits

    November 30, 2010

    There have been many articles written over the years about what insurance coverage Santa may need for his sleigh, but little consideration has been given to homeowners' policies and what exposures exist.

  • When Bugs Bite

    June 01, 2010

    If an insured brings bed bugs home from a hotel, is there coverage?

  • Wrath of Old Man Winter

    January 31, 2010

    It's still winter, and that leads to questions from adjusters about claims involving frozen pipes.

  • Drugs in the Home

    June 30, 2009

    While it's not as glamorous as sex, drugs, and rock and roll, we've had some interesting questions related to the use and manufacture of drugs.

  • The Laws of Attachment

    October 30, 2008

    The season for spooks and goblins is over. We're headed toward holidays that elicit fears of chubby tummies and clothes that no longer fit.

  • Hell Hath No Fury

    March 04, 2008

    We all know the saying about scorned women, and this month's column has the claim questions to prove it.

  • Do You See Dead People?

    March 02, 2007

    Is there coverage under the homeowner's policy for cleanup for both the dwelling and personal property?

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