Notice Provision Upon Death of Named Insured   This action arose from the insurer's denial of coverage for a fire loss under a homeowners policy…

E-Commerce Insurance November 12, 2012 Coverage Checklist E-commerce coverage is a direct result of emerging technology. As more and more business…

Discusses policy requirement for theft prevention and access through doggie door.

Chinese Drywall What ISO policy exclusion under an HO3, if any, applies to a product defect? We have seen a couple of instances in Louisiana where the…

Date of Purchase and Date of Vacancy My question involves a dwelling fire policy with basic coverage. The client purchased a home with the intent to…

It seems like we are getting more claims presented for damage perpetrated by insureds' own children. On HO3 coverage what is FC&S's call on damage…

In a multi-family dwelling, what establishes vacancy?

Power Surge, Damaged Computers, and Incompatible X-Ray Machines November 19, 2012 A power surge destroyed the insured's computers. The insured is a…

Do gun parts fall under the special limit, or are they separate property?

Hot Tub Loss as Coverage C or Coverage B? Our Insured has a hot tub. It is a self contained unit, located in an out-building, separate from the house.…