This article explains Value Policy laws.

Subscriber looking for an interpretation of the water damage exclusion and the exception for theft related to water damage.

Are broken door handles and similar damage that occurs over time damage?

Should pack-out be coverage A or coverage C?

Discusses perils insured against, how special limits of liability apply, and exclusions in the ISO HO 00 05.

Analyzes the progressively broader array of perils provided in the ISO Homeowners 2011 Program, including differences between the 2000 and 1999 programs. This discussion concentrates on named perils coverage.

HO 06 44 04 16 Roof Surfacing Cosmetic Damage Exclusion - Windstorm or Hail, April 2016 Edition

HO 06 43 04 16 Cosmetic Damage Exclusion - Windstorm or Hail, April 2016 Edition

The endorsements for cosmetic damage exclusions are explained.

HO 06 46 04 16 Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfacing, April 2016 Edition