An assignment of benefits permits a third-party, like a roofer, to "stand in the insured's shoes" and go after the insurer for direct payment, but homeowners don't always realize what, precisely, signing an AOB means.

An analysis of the new ISO Broadened Water Back-up and Sump Discharge or Overflow Coverage HO 06 95 03 22 form.

An analysis of the ISO Canine Liability Exclusion HO 24 77 form, which allows an insured and insurer to agree to exclude coverage for a particular dog in the household.

When an insured rents out his condo and the appliances are stolen, does coverage apply?

The newly developed Broadened Water Back-up and Sump Discharge or Overflow Coverage HO 06 95 03 22.

The HO 24 77 03 22 Canine Liability Exclusion endorsement form.

How is the hurricane deductible applied when there is damage to both the dwelling and personal property?

When the supposedly burned property didn't exist or wasn't in the building.

Florida's Office of Insurance and Regulation issues an emergency order regarding cancellations and nonrenewals.

The Supreme Court of Arizona recently answered two questions certified by the U.S. District Court for the District of Arizona that both concerned how an insurer may or may not use depreciation in calculating the actual cash value (ACV) of damaged property.