Questions the application of the coinsurance clause on actual cash value and replacement cost valuations.

Vandalism or Remodeling? October 31, 2016 The insured has a CP 00 10 06 07, Causes Of Loss – Special Form. He rented his property to a tenant…

Discusses when property is in the care, custody or control of the insured.

Difference between Agreed Value and Functional Building Valuation October 3, 2016 Is there a difference between agreed value and functional building…

Questions coverage for damaged electronics from power surge.

Questions what policy pays for building damages not altered by tenant, and the building damages to the tenant’s improvements and betterments in a water damage claim.

Questions if an adjuster can be an appraiser in a commercial property dispute.

Questions if certain employee expenses incurred to minimize loss should be covered.

This article explains Value Policy laws.

Theft or Vandalism Damage? August 29, 2016 Applicable policy is a CP 00 10 10 91, Special Cause of Loss form. It is endorsed with a Theft Exclusion,…