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…

Remediation Costs for Gutting Building Our client carries building and personal property coverage under a CP 00 10 form with an endorsement for ordinance…

What happens when fire damages a building and the rest is ordered to be demolished.

Concurrent Causation under Commercial Property Form Q The question we pose involves the commercial property policy's exclusion 3.b., wherein losses…

Water Loss Repairs Responsibility of Building Owner or Contents Owner? Q Our insured owns a building and recently there was a water loss to various…

In Transit Coverage for Plumber's Tools? Q Our insured plumber's van was broken into and tools usually carried therein were taken, valued at more…

Trailer Considered Property Not Covered Our insured allowed their best and largest client to park a semi-trailer on their property. The semi-trailer…

Pollutant Damage Caused by Specific Perils Not Excluded Our insured sustained a loss due to a puff back from their gas-fired furnace. The carrier denied…