Discusses a low property limit and expensive extra expense coverage for both a permanent and temporary location following a loss.

Debris Removal—Is Repair/Replacement Required? Q Our client has a small warehouse insured on a CP 00 10 04 02. The building was completely destroyed…

Replacement Cost Coverage for Leased Equipment? Q We have a question pertaining to the leased property endorsement (CP 14 60 07 88) and the need for…

Computer Virus as a Vandalism Loss? Q Our client's computer was vandalized by installation of the Michelangelo virus that destroyed all his data on…

Sharks Teeth Considered Fine Arts I am handling a burglary claim where our insured is claiming over $300,000 in stolen sharks teeth. He has a Jimmy…

Improvements and Betterments—Coverage Dependent on Term of Lease? Q Our insured had lightning damage occur to a central air conditioning unit…

Market Share Theory and Defective Products Q My client is a pharmaceutical laboratory and has purchased products liability coverage. The lab believes…

Debris Removal under Commercial Property Form Q We would like your opinion concerning coverage for debris removal under form CP 00 10 04 02. Our insured…

When heat is turned off only in part of the building, is damage due to freezing covered?

Mortgagee Clause Applied in Foreclosure Q We insure a large property valued at over a million dollars. The mortgagee foreclosed on the property. Shortly…