Fire Department Clean Up Expenses and the PAP April 1, 2013 It is my understanding that the expenses incurred by a fire department to clean up hazardous…

Waiver and Estoppel do not Outweigh Cancellation of Policy   March 25, 2013   The auto policy of the insured was cancelled due to failure…

Withheld Depreciation on a Per Trade Basis   March 25, 2013   I am involved in a hail damage property claim insured by policy form BP 00 02…

Roofer Starts to Replace Wrong Roof March 18, 2013 I have a homeowner claim situation that I am hoping that you can offer some insight on. A contracting…

April 2013 Intro Page   Dec Page   The Dec Page for this month provides two interesting items form Don Malecki, a well-known and well-respected…

April 2013 Dec Page   Question and Answer   The following question and answer is reprinted with permission from Malecki on Insurance, a monthly…

When work by a subcontractor triggers ALE on the homeowner policy.

Other Insurance Clause and Primary Coverage   March 11, 2013   This case involves two insurers arguing over primary versus excess coverage…

Collision Definition under Property Form   March 4, 2013   We have a question regarding the following item in the CP 10 30 10 12: F Additional…

Failure to Conform Exclusion   March 4, 2013   The insurer brought an action seeking a declaration that its policies did not cover a class…