When ice breaks a tree limb, is the cause or loss ice or falling objects?

Hunt Club Land and Business Pursuits Five of my clients covered by homeowners policies have formed a hunt club. They have purchased land in the name…

IS a girlfriend a resident, roomer, boarder, or tenant?

Insurable Interest in Contract to Purchase Home Recently, one of our insureds signed a contract to purchase a home. We issued an insurance binder, because…

Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…

Falling Object Damaged by a Vehicle One of our homeowners clients is insured on AAIS form ML-3. He was transporting his lawn tractor on a trailer being…

Latent Defect Exclusion The roof of our insured's mobile home recently collapsed during a heavy rainstorm when rain collected on the roof. The adjuster…

Discusses deductibles that should be applied to loss assessment claims.

Injury on Boat Dock—Homeowners or Boatowners? We insure a boatowner and another insurer writes the homeowners coverage. To protect his boat from…

Guaranteed Rebuilding Coverage Our insured has an HO 00 03 10 00 with endorsement HO 04 11 10 00 additional limits of liability for coverages A, B,…