Homeowners Co-insurance Penalty Under an HO-3 open peril policy, is cleaning of the dwelling after a partial loss subject to the underinsurance penalty…

Fungi Endorsement Application I have a mold claim on a form 3 homeowner policy. They have the fungi coverage endorsement. The endorsement states we…

Deceased Insured and Coverage for Remaining Property Our named insured passed away in November 2007. The house remains unoccupied. In late December…

Sales Tax on Contents I am located in North Carolina handling an HO-2 fire claim with ACV only coverage on Cov C for the property owner. We submitted…

Awning Could Be Considered Outdoor Sign I have a client who has an attached outdoor awning over her store front. It has the store's name on it and was…

Additional Insureds as Claimants Q When we insure clubs for liability, we always add the Additional Insured—Club Members endorsement (CG 20…

Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…

Pollution Clean-Up Q A mercury-vapor light fixture above a swimming pool in our insured's building exploded, releasing material into the pool which…

Fixtures and Additions as Building or Contents? Q I am involved in a loss where the landlord supplied movable partitions, which are hard wired into…

Inventory Valuation after Fire Loss Q Our insured suffered an inventory fire loss. We disagree with the insurer about how to calculate the actual…