Garden paths and rock structures as other structures.

  HO 3 and DP 3 Differences What are the main differences between the HO 3 and DP 3 policy forms? New York Subscriber The DP 3 provides property…

Damage to Property of Others—Tree Falling on Neighbor's Property Q I am working on a claim that occurred during a severe winter storm in which…

Does the location of vacant land matter?

Valuation—Actual Cash Value forAntiques Is Market Value Q Our company has a difference of opinion on how to value unscheduled antiques under…

  Business Property or Insured’s Property Under AAIS form HO 0003 01 05, coverage C, a. 2) we find coverage for “personal property…

When an insured changes carriers and discovers hidden damage, what should the date of loss be?

We recently received a claim in which the cause of loss is reported as "smoke damage".  The "smoke damage" is actually residue from some kind of drug…

Loaned Trailers and Liability Coverage We have a customer who has four trailers listed on a PAP with physical damage coverage. We don’t offer…

Stolen CDs and the Homeowners Policy Q Our HO-3 ('91 edition) insured had some CDs stolen from his car. The thief also took the portable CD player…