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…

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…