July 2014 Intro Page   Dec Page   he article of the month in the Dec Page deals with the effect of the insureds' declarations or statements.…

Residence Next to Lake June 10, 2014   The insured premises abuts a lake. The homeowner's insured allowed another, nonresident, to use a personal…

Pressure on Roadway Damages Foundation June 10, 2014  The insured lives on a cul de sac and his dwelling's foundation is showing signs of cracks.…

July 2014 Dec Page Article of the Month   An insured's misrepresentation in obtaining coverage or fraud involving the policy can void coverage;…

Duty to Defend, Additional Insured Endorsement, and Potential Liability June 17, 2014 The owner and manager of a building brought an action for declaratory…

June 17, 2014Our insured carries a commercial auto policy (garage policy). It has collision and comprehensive coverage. Our insured owns an open…

Warped Siding and Solar Energy June 10, 2014  A client of ours, who has an HO5 form, recently submitted a claim for the warping of their vinyl siding,…

Business Auto Form—Archived Article April 22, 2010 Declarations and Symbols Summary: Effective January 1, 1987, the Insurance Services Office…

Business Auto Definitions—Archived Article March 2010 Words and Terms Used Throughout The Policy Summary: Words and terms that have a contractually…

Standard Commercial Auto Program—Archived Article Introduction March 17, 2010   Summary: Insurance Services Office (ISO) files on behalf…