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

Discusses contracting expenses as covered extra expense for a tanning salon.

Deductible - How to Apply Q We are a public adjusting firm. Our client is a hotel located on the Atlantic coast of North Carolina . The hotel is insured…

Off-Premises Coverage and "Owned, Leased or Operated" Exclusion Q Our commercial property policy (CP 00 10) insured went to a customer's location…

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…

Water Damage and Boarded-Up Windows Q Our insured's building is covered by an ISO commercial property policy, CP 00 10 04 02, with the special causes…

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…

Governmental Authority Exclusion—Property Damaged by Police Chasing Fugitive Q The insured is a health clinic covered under the commercial property…

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

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