Loss of Water as Loss of Use August 18, 2014   I have had two recent scenarios that involve an increased water bill following a covered loss. In…

Additional Insured Coverage and Contractual Assumption of Liability   By Don Malecki From the August 2014 issue of Claims Magazine   When it…

No Coverage for Poor Workmanship   August 18, 2014   In Flynn v. United Contractors Ins. Co., D062915, 2014 WL 2459715 (Cal. App. 4 Dist.…

Property Damage Caused by Riding Lawnmower August 11, 2014 The insured is a lawnmower repair company. The insured went to a customer's home to pick…

Property Damage not Covered Due to Exclusions on the CGL Policy   August 12, 2014 The insured brought a declaratory judgment action against the…

The Microorganism Exclusion August 5, 2014 The insured is a hotel. Claimant and her children and husband stayed at the insured hotel for seven days.…

Filed Rate Doctrine Controls   August 4, 2014   A group of plaintiffs, faced with an additional premium, asked the courts of New York state…

July 28, 2014 I have a case where a frame restaurant has a sprinkler system and is recognized by ISO as being sprinklered, but the system does not…

August 2014 Intro Page   Dec Page   The article of the month in the Dec Page deals with a feature widely misunderstood in the standard workers…

Party in Leased Premises Causes Damage July 21, 2014   A beach house insured on an HO 03 policy was rented to others. Our investigation revealed…