Insurable Interest in Contract to Purchase Home Recently, one of our insureds signed a contract to purchase a home. We issued an insurance binder, because…

Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…

Falling Object Damaged by a Vehicle One of our homeowners clients is insured on AAIS form ML-3. He was transporting his lawn tractor on a trailer being…

Latent Defect Exclusion The roof of our insured's mobile home recently collapsed during a heavy rainstorm when rain collected on the roof. The adjuster…

Discusses deductibles that should be applied to loss assessment claims.

Injury on Boat Dock—Homeowners or Boatowners? We insure a boatowner and another insurer writes the homeowners coverage. To protect his boat from…

Guaranteed Rebuilding Coverage Our insured has an HO 00 03 10 00 with endorsement HO 04 11 10 00 additional limits of liability for coverages A, B,…

Farm Personal Property versus Personal Property We write a lot of farm business. Our insured had a farm policy that provided coverage for farm personal…

Internet Fraud Covered Under Homeowners? Our homeowners insured paid a substantial sum of money for a Rolex watch he saw offered at an internet auction…

Discusses damage from an ice dam to the interior of the home.