Is Personal Property Covered on HO-3 during an Insured's Move? We have a client insured on a standard homeowners policy (HO 00 03 05 01). We recently…

Liability Coverage on Right-of-Way? Our insured has a right-of-way through his property that is used consistently by the local power company. Since…

Guaranteed Replacement Cost—Effect on Other Coverages The standard HO-3 policy provides coverage for trees and shrubs in the amount of 5 percent…

Loss Assessment for New Roof? We have recently had a claim denied that has proven both disturbing and confusing, not only to us but to other agencies…

Fire Department Service Charge Coverage under Homeowners We have a question about homeowners coverage for a fire department service charge. Our insureds…

Third-Party Beneficiaries November 11, 2009   What Are the Rights of Third Parties under Commercial Property Policies? Summary: Insurance policies…

Discusses Zurich American Ins. Co. v. Key Cartage, Inc. where Supreme Court of Illinois examined whether a reciprocal coverage provision found in a commercial trucking insurance policy violated the public policy.

Collapse Coverage under a Mobile Home Policy Our client has a mobile home covered by an AAIS form ML-3. Part of the roof hangs over the front of the…

Carport a Canopy? Insured made claim under an AAIS form 2 for "weight of ice and snow" damage to a carport attached to the end of the dwelling. The…

Collapse Coverage under Homeowners Policy Our insured bought a seasonal residence in Michigan. We insured it on an HO 00 03 10 00. Last winter brought…