Vehicle Damage to Borrowed Grill? Q Our insured borrowed a barbeque grill from a friend. He loaded it in the back of his pickup to return it. On the…

Theft Coverage for Lost Luggage and Homeowners Policy Q We have been presented with a claim for theft of luggage from an airline, and are not sure…

Vehicle Peril—Motorcycle "Leathers" Covered Q Our homeowners insured was forced off the road by an oncoming auto while operating his motorcycle.…

Wind driven rain on separate occasions damages same property.

Storm Damage—Coverage for Ice Damming (HO-2) Q I am requesting your view on a problem that has come up during the processing of winter storm…

Standard Time Definition Q We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving…

Theft and Vacancy Exclusions Not Applicable to Newly Renovated Dwelling Q Our client owns rental property (a home), covered by a special form dwelling…

Safe Deposit Box Drilling Covered? Our insured's dwelling and personal property were destroyed in a tornado. The keys to her lock box at the local bank…

Vehicle Used to Service the Premises Q Our insured has a HO 00 03 04 91. He hired a contractor to do some work on his property that necessitated the…

Ultra-Light Aircraft Q Recently our client's garage was destroyed by fire. An "ultra-light" aircraft, valued at $14,000 was also destroyed in the…