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…

Mold Claim under Personal Auto Policy We have an insured who reports mold growing in her car. There was a hole in the car's convertible top. The insured…

A question of coverage for mold and water damage from frozen piping.

Discusses date of loss versus date of assessment and payment of claim.

Mold Damage Over Time Q An insured has a very large two story deck off the front of his home. He lives on the Oregon Coast so the wood has a tendency…

CM 00 21 08 08 Camera and Musical Instrument Dealers Coverage Form, August 2008 edition

Personal Property Stolen From Another Residence Q We have a question on coverage under an HO 00 03 05 01 for stolen property. The insured's grandson,…