Percent Deductible Application under Commercial Property Policy Our insured owns a strip mall, consisting of several buildings, in Florida . Both Hurricanes…

Signs Not Attached to Buildings at Time of Loss Excluded from Coverage Our insured had some signs that were permanently attached to the exterior walls…

Ordinance or Law Not Applicable to Construction of Parking Lot An insured has a building with no parking. A current ordinance requires buildings to…

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…