Coverage Q&A: How does coverage apply to the insured's residence, which consists of three separate buildings.

Coverage Q&A: After a homeowners' house was destroyed, the insurer issued a check for the ACV to the mortgagee for a demolition job.

Coverage Q&A: The difference between surface water and water backup from sewers and drains is in question.

Coverage Q&A: A gym member had his property and vehicle stolen while exercising at the insured's fitness facility.

Coverage Q&A: Following Hurricane Maria, a loss assessment was conducted outside the insured's policy period.

Coverage Q&A: After his wife completed chemotherapy, the insured claims the chemicals expelled in bodily fluids ruined the septic system.

Coverage Q&A: A deer caused significant damage when it broke through a glass door and destroyed the interior of a building.

How do the optional coverages in the business income and extra expense form differ?