July 2009 Dec Page Question of the Month   Theft claims based on shortage of an insured's physical property as determined by an inventory computation…

Direct Physical Loss and Cosmetic Loss Hail stones have created dents to a copper roof. The section of roofing is located over a second story bay…

Table of Limits—Archived Article May, 2006 Financial Responsibility andCompulsory Insurance Laws Summary: The table that follows displays…

Condominium Assessments with HO 17 32 and HO 04 28 Endorsements This is a claim under the HO-6 Condo Owners Policy with HO 17 32 endorsement and HO…

Injured Worker Not an Employee under Insured’s CGL Policy   In Rhiner v. Red Shield Ins. Co., 2009 WL 1458360 (Or.App.), the plaintiff owned…

A contractor who plows snow is covered by a Businessowners BP 00 03 01 06 policy. These operations left chain marks on some of the driveways that were…

Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…

Pothole Damage as Collision Under the PAP? Would tires damaged due to hitting a pothole be considered damaged due to road hazard, and therefore fall…

Special Provisions - Variations by State—Archived Article February, 2004 Introduction Although some states have not yet approved use of the…

UM Policy Restrictions Not in Violation of State Law   In Bush v. State Farm Mut. Auto. Ins. Co., 2009 WL 1351821 (Ind.) , Leonard Bush, Jr. was…