When a husband and wife are collecting additional living expense due to a homeowners loss, the policy does not cover the expenses of a spouse who leaves the other spouse and sets up an additional household.

Debris removal and tree coverage.

Vehicles Used to Service the Insured Premises Q We insure a home under AAIS form 3, edition 2.0. The insured owns a go-kart that was damaged by one…

A claimant was involved in a car accident with our insured. The claim against the insured was for property damage done to the other car and included…

Vehicle as a Cause of Loss on HO-3 Q Our HO-3 insured has a riding lawn mower. One day, while mowing his yard, which slopes, the mower got out of…

Trees, Lawns, and Shrubs Our insured has a home insured on an HO 00 03 10 00 for $405,000. He suffered a fire loss, and consequently there was much…

Replacement of Home—How Is Amount Determined? Q We are in the process of adjusting a large fire loss under a homeowners policy (HO 3). The estimated…

Structures—What is "Attached?" Q We have a homeowners claim (HO 00 03 10 00) involving a garage that, except for the wall facing the dwelling,…

Scorching—Not a Named Peril Q We have a somewhat unusual loss. Our insured has an HO-3. He recently discovered his sofa appears to have been…

Sales Tax and Total Homeowners Loss Q We are an independent adjusting firm. We have been hired to handle a bad house fire. The home and the personal…