FC&S Expert Coverage Interpretation
Circular Tracker 4-29-2024
A summary of the ISO Circular for April 29, 2024. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.
Part 3 Homeowners - 6 Unit Owners Form Contract Analysis Section I Perils Insured Against
The third in a series explaining the coverages provided in the ISO standard HO 00 06 Unit-owners Form. This article discusses the Section I Perils Insured Against.
Fraud of the Week: Slashed Tires and Date of Loss
When the date of loss doesn't match the date on the police report, the insurer will investigate.
Insurance Coverage Q&A: What is Held for Rental?
When Fair Rental Value coverage is claimed, the property must be held for rental. What criteria is needed for a property to be considered held for rental?
A historic case from 1971.
Deposits and Fees Expected of Domestic Surplus Lines Insurers
DSLI's differ from other domestic insurers.
Maine Coverage for Towing and Storage Charges
A new motor vehicle financial responsibility law in Maine.
NAIC Model Bulletin: Use of Artificial Intelligence Systems by Insurers
Available for use by any state insurance department.
Circular Tracker 4-23-2024
A summary of the ISO Circular for April 1, 2024. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.
Part 2- Homeowners 6 - Unit-Owner's Form Contract Analysis - Section I Property Coverages
The second in a series explaining the coverages provided in the ISO standard HO 00 06 Unit-owners Form. This article discusses the Section I Property Coverages.
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FC&S Expert Coverage Interpretation
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He reinstated the policy and reported the accident as happening after reinstatement.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/fcs-editors/", "name": "FC&S Editors" } ], "kickerNode": [ { "uri": "/fraud-of-the-week/", "sectionName": "Fraud of the Week" } ], "readtime": "1", "prettyDate": "April 22, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/22/insurance-coverage-qa-when-the-rug-needs-to-dry/", "title": "Insurance Coverage Q&A: When the Rug Needs to Dry", "byline": "FC&S Editors", "kicker": "Questions & Answers", "summary": "When the drying process of an oriental rug leads to damage, is there coverage?", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/fcs-editors/", "name": "FC&S Editors" } ], "kickerNode": [ { "uri": "/questions-answers/", "sectionName": "Questions & Answers" } ], "readtime": "2", "prettyDate": "April 22, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/22/excess-insurers-denial-of-a-claim-goes-southwest/", "title": "Excess Insurer's Denial of a Claim Goes Southwest", "byline": "Kelly Helton, JD", "kicker": "Lit Watch", "summary": "Southwest Airlines spent more than $35 million in compensating customers affected by a system failure in 2016.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/kelly-helton-jd/", "name": "Kelly Helton, JD" } ], "kickerNode": [ { "uri": "/litigation-watch/", "sectionName": "Lit Watch" } ], "readtime": "5", "prettyDate": "April 22, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/19/circular-tracker-4-19-2024/", "title": "Circular Tracker 4-19-2024", "byline": "FC&S Editors", "kicker": "Circular Tracker", "summary": "A summary of the ISO Circular for April 19, 2024. 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Barlow, CPCU", "kicker": "Webcast", "summary": "A recording of the April 17th FC&S webinar Side Gigs and Insurance - Uber, Lyft, and Airbnb Explained that discussed delivery, ridesharing, vehicle sharing, home-sharing and more.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/christine-g-barlow-cpcu/", "name": "Christine G. Barlow, CPCU" } ], "kickerNode": [ { "uri": "/webcast/", "sectionName": "Webcast" } ], "readtime": "1", "prettyDate": "April 18, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/18/baltimores-key-bridge-insurance-impact-webinar-with-the-cpcu-society/", "title": "Baltimore's Key Bridge: Insurance Impact Webinar with the CPCU Society", "byline": "FC&S Editors", "kicker": "Webcast", "summary": "The Francis Scott Key Bridge in Baltimore was struck by a container ship on March 26, 2024 and collapsed into the Patapsco River. The loss is significant, and recovery will be time-consuming and expensive, with many parties involved. Join editors Christine Barlow and Karen Sorrell along with Steven Weiss Chief Underwriting Officer at Incarnation LLC and the CPCU Society as they discuss the event and the insurance concerns and implications of the closure of the port and the loss of the bridge. This webinar will be presented May 7th at 2 p.m. Eastern.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/fcs-editors/", "name": "FC&S Editors" } ], "kickerNode": [ { "uri": "/webcast/", "sectionName": "Webcast" } ], "readtime": "1", "prettyDate": "April 18, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/18/court-finds-two-robberies-are-still-one-occurrence/", "title": "Court Finds Two Robberies Are Still One Occurrence", "byline": "Kelly Helton, JD", "kicker": "Lit Watch", "summary": "The court was faced with the question of whether two robberies carried out by two seemingly different groups constituted a single occurrence or multiple occurrences.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/kelly-helton-jd/", "name": "Kelly Helton, JD" } ], "kickerNode": [ { "uri": "/litigation-watch/", "sectionName": "Lit Watch" } ], "readtime": "5", "prettyDate": "April 18, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/17/iso-circular-tracker-4-17-2024/", "title": "ISO Circular Tracker 4-17-2024", "byline": "FC&S Editors", "kicker": "Circular Tracker", "summary": "A summary of the ISO Circular for April 17, 2024. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/fcs-editors/", "name": "FC&S Editors" } ], "kickerNode": [ { "uri": "/circular-tracker/", "sectionName": "Circular Tracker" } ], "readtime": "1", "prettyDate": "April 17, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/16/maryland-asks-for-carrier-accommodations-after-bridge-collapse/", "title": "Maryland Asks for Carrier Accommodations after Bridge Collapse", "byline": "Ray Sugrim", "kicker": "Administrative Notices", "summary": "The Insurance Administration is asking for reasonable accommodations for affected consumers and businesses.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/administrative-notices/", "sectionName": "Administrative Notices" }, { "uri": "/core-article-library/", "sectionName": "Core Article Library" }, { "uri": "/discussion/", "sectionName": "Discussion" } ], "readtime": "1", "prettyDate": "April 16, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/16/delaware-mandates-use-of-three-forms-for-auto-insurers/", "title": "Delaware Mandates use of Three Forms for Auto Insurers", "byline": "Ray Sugrim", "kicker": "Administrative Notices", "summary": "No other format will be accepted.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/administrative-notices/", "sectionName": "Administrative Notices" }, { "uri": "/discussion/", "sectionName": "Discussion" } ], "readtime": "2", "prettyDate": "April 16, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/15/iso-circular-tracker-4-15-2024/", "title": "ISO Circular Tracker 4-15-2024", "byline": "FC&S Editors", "kicker": "Circular Tracker", "summary": "A summary of the ISO Circular for April 15, 2024. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/fcs-editors/", "name": "FC&S Editors" } ], "kickerNode": [ { "uri": "/circular-tracker/", "sectionName": "Circular Tracker" } ], "readtime": "2", "prettyDate": "April 15, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/15/part-1-homeowners-6-unit-owners-form-contract-analysis-agreement-and-definitions/", "title": "Part 1 Homeowners 6 - Unit-Owners Form Contract Analysis Agreement and Definitions", "byline": "Christine G. Barlow, CPCU", "kicker": "Contract Analysis", "summary": "The first in a series explaining the coverages provided in the standard ISO HO 00 06 Unit-owners Form.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/christine-g-barlow-cpcu/", "name": "Christine G. 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"/fcs/2024/04/08/fraud-of-the-week-failure-to-disclose-true-cause-of-loss/", "title": "Fraud of the Week: Failure to Disclose True Cause of Loss", "byline": "FC&S Editors", "kicker": "Fraud of the Week", "summary": "When an insured fails to disclose that the vehicle was damaged in a police encounter when the insured refused to stop the vehicle.", "isDownload": "false", "authors": [ { "webUrl": "/author/profile/fcs-editors/", "name": "FC&S Editors" } ], "kickerNode": [ { "uri": "/fraud-of-the-week/", "sectionName": "Fraud of the Week" } ], "readtime": "1", "prettyDate": "April 08, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/08/broadened-home-sharing-host-activities-coverage-analysis/", "title": "Broadened Home-Sharing Host Activities Coverage Analysis", "byline": "Ray Sugrim", "kicker": "Contract Analysis", "summary": "In this article the ISO Broadened Home-Sharing Host 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"0", "prettyDate": "April 07, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/07/ho-24-96-03-22-exclusion-of-farm-employees-illegally-employed/", "title": "HO 24 96 03 22 Exclusion Of Farm Employees Illegally Employed", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 96 03 22 Exclusion Of Farm Employees Illegally Employed homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 07, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/07/ho-24-03-03-22-non-owned-motorized-bicycle-and-motorized-scooter-liability-exclusion-2/", "title": "HO 24 03 03 22 Non-Owned Motorized Bicycle And Motorized Scooter Liability Exclusion", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 03 03 22 Non-Owned Motorized Bicycle And Motorized Scooter Liability Exclusion homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 07, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/07/ho-07-50-03-22-additional-insured-managers-or-lessors-of-premises-leased-to-an-insured/", "title": "HO 07 50 03 22 Additional Insured - Managers Or Lessors Of Premises Leased To An Insured", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 07 50 03 22 Additional Insured - Managers Or Lessors Of Premises Leased To An Insured homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 07, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-34-02-03-22-model-or-hobby-aircraft-liability-exclusion/", "title": "HO 34 02 03 22 Model Or Hobby Aircraft Liability Exclusion", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 34 02 03 22 Model Or Hobby Aircraft Liability Exclusion homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-24-89-03-22-personal-injury-coverage/", "title": "HO 24 89 03 22 Personal Injury Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 89 03 22 Personal Injury Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-24-75-03-22-supplemental-watercraft-liability-coverage/", "title": "HO 24 75 03 22 Supplemental Watercraft Liability Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 75 03 22 Supplemental Watercraft Liability Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-24-73-03-22-farmers-personal-liability-coverage/", "title": "HO 24 73 03 22 Farmers Personal Liability Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 73 03 22 Farmers Personal Liability Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-24-72-03-22-incidental-farming-personal-liability-coverage/", "title": "HO 24 72 03 22 Incidental Farming Personal Liability Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 72 03 22 Incidental Farming Personal Liability Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-24-71-03-22-designated-business-pursuits-liability-coverage/", "title": "HO 24 71 03 22 Designated Business Pursuits Liability Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 71 03 22 Designated Business Pursuits Liability Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-24-70-03-22-additional-residence-rented-to-others-1-2-3-or-4-families/", "title": "HO 24 70 03 22 Additional Residence Rented To Others 1, 2, 3 Or 4 Families", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 70 03 22 Additional Residence Rented To Others 1, 2, 3 Or 4 Families homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-24-43-03-22-permitted-incidental-occupancies-other-residences/", "title": "HO 24 43 03 22 Permitted Incidental Occupancies - Other Residences", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 43 03 22 Permitted Incidental Occupancies - Other Residences homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-24-10-03-22-personal-injury-coverage-aggregate-limit-of-liability/", "title": "HO 24 10 03 22 Personal Injury Coverage (Aggregate Limit Of Liability)", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 10 03 22 Personal Injury Coverage (Aggregate Limit Of Liability) homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/06/ho-07-51-03-22-additional-insured-vendors/", "title": "HO 07 51 03 22 Additional Insured - Vendors", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 07 51 03 22 Additional Insured - Vendors homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 06, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/05/ho-24-49-03-22-personal-injury-coverage-aggregate-limit-of-liability/", "title": "HO 24 49 03 22 Personal Injury Coverage (Aggregate Limit Of Liability)", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 49 03 22 Personal Injury Coverage (Aggregate Limit Of Liability) homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 05, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/05/ho-24-04-09-22-motorized-bicycle-and-motorized-scooter-liability-exclusion-2/", "title": "HO 24 04 09 22 Motorized Bicycle And Motorized Scooter Liability Exclusion", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 04 09 22 Motorized Bicycle And Motorized Scooter Liability Exclusion homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 05, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/05/ho-24-02-03-22-other-insured-locations/", "title": "HO 24 02 03 22 Other Insured Location(s)", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 24 02 03 22 Other Insured Location(s) homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 05, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/05/ho-07-52-03-22-loss-payable-provisions/", "title": "HO 07 52 03 22 Loss Payable Provisions", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 07 52 03 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27 03 22 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 27 03 22 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-60-03-22-scheduled-personal-property-coverage-with-agreed-value-loss-settlement/", "title": "HO 04 60 03 22 Scheduled Personal Property Coverage (With Agreed Value Loss Settlement)", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 60 03 22 Scheduled Personal Property Coverage (With Agreed Value Loss Settlement) homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-26-03-22-limited-fungi-wet-or-dry-rot-or-bacteria-coverage/", "title": "HO 04 26 03 22 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 26 03 22 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-59-03-22-assisted-living-care-coverage/", "title": "HO 04 59 03 22 Assisted Living Care Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 59 03 22 Assisted Living Care Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-20-03-22-specified-additional-amount-of-insurance-for-coverage-a-dwelling/", "title": "HO 04 20 03 22 Specified Additional Amount Of Insurance For Coverage A - Dwelling", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 20 03 22 Specified Additional Amount Of Insurance For Coverage A - Dwelling homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-58-03-22-additional-insured-household-resident/", "title": "HO 04 58 03 22 Additional Insured - Household Resident", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 58 03 22 Additional Insured - Household Resident homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-18-03-22-deferred-premium-payment/", "title": "HO 04 18 03 22 Deferred Premium Payment", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 18 03 22 Deferred Premium Payment homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-56-03-22-special-loss-settlement/", "title": "HO 04 56 03 22 Special Loss Settlement", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 56 03 22 Special Loss Settlement homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-55-03-22-identity-fraud-expense-coverage/", "title": "HO 04 55 03 22 Identity Fraud Expense Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 55 03 22 Identity Fraud Expense Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-16-03-22-premises-alarm-water-leak-detection-or-fire-protection-system/", "title": "HO 04 16 03 22 Premises Alarm, Water Leak Detection Or Fire Protection System", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 16 03 22 Premises Alarm, Water Leak Detection Or Fire Protection System homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-15-03-22-limited-computer-related-damage-or-injury-liability-coverage/", "title": "HO 04 15 03 22 Limited Computer-Related Damage Or Injury Liability Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 15 03 22 Limited Computer-Related Damage Or Injury Liability Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-54-03-22-earthquake-coverage/", "title": "HO 04 54 03 22 Earthquake Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 54 03 22 Earthquake Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-53-03-22-credit-card-electronic-fund-transfer-card-or-access-device-forgery-and-counterfeit-money-coverage/", "title": "HO 04 53 03 22 Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 53 03 22 Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-14-02-17-special-computer-coverage/", "title": "HO 04 14 02 17 Special Computer Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 14 02 17 Special Computer Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-52-03-22-livestock-collision-coverage/", "title": "HO 04 52 03 22 Livestock Collision Coverage", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 52 03 22 Livestock Collision Coverage homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } }, { "uri": "/fcs/2024/04/01/ho-04-51-03-22-building-additions-and-alterations-increased-limit-2/", "title": "HO 04 51 03 22 Building Additions And Alterations - Increased Limit", "byline": "Ray Sugrim", "kicker": "Endorsements", "summary": "HO 04 51 03 22 Building Additions And Alterations - Increased Limit homeowners endorsement.", "isDownload": "true", "authors": [ { "webUrl": "/author/profile/ray-sugrim/", "name": "Ray Sugrim" } ], "kickerNode": [ { "uri": "/endorsements/", "sectionName": "Endorsements" }, { "uri": "/forms/", "sectionName": "Form" } ], "readtime": "0", "prettyDate": "April 01, 2024", "primaryCategory": { "channelName": "", "sectionName": "", "uri": "" }, "image": { "uri": "", "width": "", "height": "" } } ] } ], "sponsors": [] } }