Damage to Roof—Subsequent Interior Damage Covered? Our insured has an HO 00 03 10 00. A few months ago, following a downpour, he noticed some…

Exclusions—Typographic Arrangement Important in Interpreting Policy Language Please help us to resolve a matter of interpretation of homeowners…

Damage Done by Visiting Relative—Liability? Our insured was disabled and her sister came to live with her for a couple of weeks. The sister did…

Damage to Neighbor's Driveway A form HO 00 03 10 00 homeowners insured and her neighbor share a common driveway that runs between their two houses.…

Collapse from Weight of Snow—Awnings We are wondering about collapse coverage for awnings under homeowners form HO 00 03 10 00. The area we live…

Towing Means Use under Farm Policy? We insure a farmer on form FP 00 10 09 94. Included in this policy is coverage E, Scheduled Farm Personal Property.…

Damage to Liner of In-ground Pool—Shrinking Exclusion Our HO 00 03 10 00 insured reported the liner of his in-ground pool had shrunk over the…

When termite damage occurs and doesn't seem to be excluded.

Food Spoliation Is a Consequential Loss Our insured butcher suffered a spoilage loss due to a recent windstorm that caused the store to loose full power…

Collision Coverage for Overturn of Farm Tractor? Our insured's tractor is covered under mobile agricultural machinery and equipment form FP 00 30 09…