Fixtures and Additions as Building or Contents? Q I am involved in a loss where the landlord supplied movable partitions, which are hard wired into…

Burned, But Not Dead, Trees Covered? We have an HO3 4-91 policy. The loss is a brush fire in the insured's yard. They had damage to trees, shrubs, and…

Mildew in the attic.

Property in Self-Storage Locker Q This question involves whether or not personal property in a self-storage unit is covered and to what extent. There…

Water Tank Adjacent to Insured's Property Q I have a customer whose home is built on a lot next to an elevated water tank. The tank holds approximately…

Discusses forceable entry and missing property in a facility open 24/7.

Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…

Clean-up Coverage HO-6 condo policy - our insured rented the unit to a couple they were acquainted with - and on 11/27/07 the wife shot herself in the…

Direct and Accidental Damage We have an insured who purchased a new vehicle in the summer of 2007. In the purchase agreement the insured opted to have…

Discusses cleanup of oil from underground pipes.