Beware of Ransomware   June 6, 2017   Ransomware (malware that encrypts data pending an extortion payment) threat is accelerating rapidly…

RCV Holdback When Less than Settlement Amount is Spent for Repairs June 5, 2017 Under the standard HO-3, within the Loss Settlement Condition, there…

Domino’s or Uber: Walmart Employees Delivering Packages is Similar to One, Both, or Neither?   June 2, 2017 A June first article in the…

CATS and Dogs: When it’s More than a Summer Shower June 2, 2017 As many insurance professionals know, June first is the start of hurricane season,…

State FAIR Plans  May 26, 2017  State-by-State Summary of Coverages  Summary: FAIR plans were devised as a way to enable residents and businesses…

Sale of Property and Assignment of Policy   May 22, 2017   I have a VA policyholder. I don't have the exact policy form yet but it is an HO…

Johnson and Johnson and Toxic Products Liability   May 22, 2017   Summary: We’ve seen it before with lead paint, tobacco products,…

Intent to Repair or Replace May 15, 2017 The ISO Dwelling 3 policy provides replacement cost benefits. Please provide your interpretation of the application…

Discusses bills proposing changes to NFIP.

This article is an overview of the National Flood Insurance Program.