Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…

Extremes of Temperature Exclusion Q Our insured coats fixtures and then passes them through an oven to bake. A sink fell off the oven conveyor belt…

Renovation Is Not an Act of Vandalism A building owner discovered that a tenant, who had a lease agreement for two units, renovated the rental space…

Installation Floater—Damage Coverage? Q Our client, a heating and air conditioning contractor, keeps heating units in his shop that he takes…

Builders Risk—Value of theBuilding on the Completion Date Q The builders risk coverage form (CP 00 20 04 02) has what amounts to a 100 percent…

Wind Loss and Golf Course Restoration Q Recently a heavy wind came through a local golf course and took down a 150 year old, seventy-five foot tree.…

Exhibitions and Off-Premises Loss Q I have a commercial property client covered under the CP 00 10 04 02 policy who had a 24' box trailer stolen off…

Latent Defect Exclusion Q Our insured's walls were painted red years ago. Some time thereafter, the walls were papered. Recently, our insured had…

Deductible—What is "an Event"? Q Our question regards the application of the "per event" deductible under the following loss scenario. The insurance…

Deductible and Hail Damage Loss We insure a building with a CP 00 10 Building and Personal Property Form and CP 10 30 Cause of Loss form. In 2004 the…