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Homeowners Program
Coverage for Vacant Land in Canada
Does the location of vacant land matter?
Date of Loss, Date of Assessment, and Policy Effective Date
Discusses date of loss versus date of assessment and payment of claim.
Body of Water and Damage to Dwelling
Is water from the roof surface water?
One or Two Water Damage Losses
Wind driven rain on separate occasions damages same property.
Additional Living Expense Not Covered for New Standard of Living
When a husband and wife are collecting additional living expense due to a homeowners loss, the policy does not cover the expenses of a spouse who leaves the other spouse and sets up an additional household.
Parking Condo Coverage on Homeowners Policy?
Parking Condo Coverage on Homeowners Policy? Q Our HO 00 03 05 01 insured owns, in conjunction with several other people, a private "parking…
Visiting Pets and Kept Pets
Is damage from a visiting ill dog covered under the homeowners policy?
Swimming Pool as Dwelling?
Swimming pool as other structure.
Sewer or Drain Backup
Application of water backup endorsement.
Windstorm Deductibles—How Applied?
When a hurricane topples a tree.