Our insured's home is covered under an ISO HO 00 03 04 91 and an HO 01 20 10 99. Both spouses are named on the policy.

The insureds made a claim for fire damage, and the carrier agreed to rent a four-bedroom house to accommodate the family of two adults and four children.

Five weeks into the adjustment process, the wife called to advise that she was leaving the husband and moving to a separate apartment. The husband has two children from a previous marriage, and the wife does as well. Both are now seeking coverage for leased housing—two apartments to accommodate one adult and two children each.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis