Ice Fishing Hut a Trailer? We have several clients in our agency who ice-fish during the winter, and have fishing huts which they store on their property…

Removal of Oil Tank Q Our insured has a rental property insured on a dwelling fire policy. He now wants to sell the house, but there is a problem.…

  Paved or Non-paved Driveway Our policy states that an insured has coverage to remove tree debris if it is on a structure, or blocks a driveway. …

Discusses storage of property that can no longer be stored on insured premises and laundering of clothes during the relocation.

When part of an older roof is damaged, matching issues come into play.

This Q&A discusses the definition of vermin.

Septic tanks and water backup.

Pool Cover and Replacement Cost for a Homeowner Q We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement…

Motorized Vehicles and Mini-bikes We use an AAIS Homeowner and Farmowner form 2 (2.0). The definition of a motorized vehicle is a self-propelled land…

Root Damage to Plumbing System Q We are seeing an increase in claims for "tree root" damages to plumbing systems.  Specifically, one claim involves…