Theft vs. Mysterious Disappearance Q Our homeowners insured recently reported the loss of a diamond ring. She had stayed overnight in a motel and…

Wind Loss to Personal Property We have a hurricane claim and there was no damage to either the exterior or the interior of our insured's condo unit.…

Mildew Covered on Homeowners? Q During the past summer, our homeowners insured's roof was completely blown off during a windstorm. As a result of…

Theft Limitation and Deductible on HO 00 02 Q One of my clients, who is insured on a HO 00 02 04 91, lost $7,200 worth of property in a burglary.…

Vehicle Damage to Borrowed Grill? Q Our insured borrowed a barbeque grill from a friend. He loaded it in the back of his pickup to return it. On the…

Theft Coverage for Lost Luggage and Homeowners Policy Q We have been presented with a claim for theft of luggage from an airline, and are not sure…

Vehicle Peril—Motorcycle "Leathers" Covered Q Our homeowners insured was forced off the road by an oncoming auto while operating his motorcycle.…

Standard Time Definition Q We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving…

Ultra-Light Aircraft Q Recently our client's garage was destroyed by fire. An "ultra-light" aircraft, valued at $14,000 was also destroyed in the…

Vehicle as a Cause of Loss on HO-3 Q Our HO-3 insured has a riding lawn mower. One day, while mowing his yard, which slopes, the mower got out of…