Ordinance or Law and Rebuilding the House Elsewhere Q This issue concerns interpretation of the Ordinance or Law coverages found within the HO-3 (Ed.…

Portable Boat Hoist—Where Covered? Q We have an HO 00 03 05 01 insured. He has a boat insured with another carrier. Not long ago, a severe windstorm…

Theft Coverage for Dwelling Being Repaired Q Our client is insured on an HO 00 03 04 91. Recently, he had a partial fire loss. The kitchen and adjoining…

Scheduled Diamond Ring—Coverage for Cracking? Q Our insured had a loss to a diamond ring scheduled on an HO-61. She found to her amazement it…

Are carbon monoxide fumes in an apartment pollution?

Theft and Vacancy Exclusions Not Applicable to Newly Renovated Dwelling Q Our client owns rental property (a home), covered by a special form dwelling…

Theft of Own Property by Insured Q We have an unusual situation. Our insureds were both named insureds on a homeowners policy (HO-3). They were not…

Damage to Property of Others—Tree Falling on Neighbor's Property Q I am working on a claim that occurred during a severe winter storm in which…

Debris removal and tree coverage.

Weight of Ice or Water Our insured is covered by the 1984 ISO HO-3 and received damage to his above ground swimming pool due to the weight…