ATV Included in Property Not Covered Clauses January 10, 2012 Under the Building and Personal Property Coverage form, CP 00 10 04 02, in the property…

Discusses a claim situation where there is a need to determine how many occurrences and thus, how many deductibles, apply.

Determining a backup of water from the roof as a cause of loss.

Deductible and Number of Occurrences under Property Policy December 12, 2011 Our insured, a commercial bank, has a foreclosure that is a large vacant…

Difference in Conditions Coverage Form, IH 00 80 12 11

Storm Damage Raises Deductible Questions November 21, 2011 A commercial building sustained wind damage to the roof and interiors as a result of a windstorm.…

Condominium Building Damage Coverage Depends on Policy Wording October 31, 2011   The subject property is a commercial condominium. There is a…

SPOILAGE COVERAGE ISO Form CP 04 40 November 2, 2011 Summary: The Spoilage Coverage form, CP 04 40 06 07, can be used to modify the Building…

Leasehold Interest Coverage Reviewed November 2, 2011 ISO Simplified Commercial Property Program Summary: Leasehold interest insurance protects…

Replacement Cost Less Than ACV Our insured owned a building that was destroyed by fire. The building was insured on an ISO form CP 00 10 10 90. The…