Solar panels are becoming more popular. We had a homeowners claim denied when solar panels collapsed due to weight of ice and snow. The panels were…

Appraisal and Mediation May 20, 2015 Our insured has a high valued homeowners policy, PHVH-998-LA(03/2011). My questions are relevant to the appraisal…

Insured seeks coverage for frozen pipe water damage when tenant did not pay the water bill.

Honey from Bee Hive Leaks into Dwelling May 20, 2015 Is there any coverage on an all risk policy for damages due to a bee hive leaking honey into the…

The named insured made a claim for a stolen snow blower. Her policy provides coverage for loss by named perils for personal property only. By endorsement…

Insuring Dance Studios   May 19, 2015   Dance, in all its variations, is a beautiful art form and requires specialized training. That training…

This article discusses the exclusion for water backup of sewers and drains and relevant court cases, as well as endorsements providing coverage.

Insured Property and Coverage under the SFIP   May 18, 2015   The insureds brought an action against the insurer seeking payment under the…

Definition of Inland Marine Insurance   May 18, 2015   NAIC Document   Summary: The Nationwide Inland Marine Definition, a document…

Questions a specific temperature to meet the requirement to maintain heat in a commercial building.