Fire Department Service Charge Coverage under Homeowners We have a question about homeowners coverage for a fire department service charge. Our insureds…

Third-Party Beneficiaries November 11, 2009   What Are the Rights of Third Parties under Commercial Property Policies? Summary: Insurance policies…

Discusses Zurich American Ins. Co. v. Key Cartage, Inc. where Supreme Court of Illinois examined whether a reciprocal coverage provision found in a commercial trucking insurance policy violated the public policy.

Collapse Coverage under a Mobile Home Policy Our client has a mobile home covered by an AAIS form ML-3. Part of the roof hangs over the front of the…

Carport a Canopy? Insured made claim under an AAIS form 2 for "weight of ice and snow" damage to a carport attached to the end of the dwelling. The…

Collapse Coverage under Homeowners Policy Our insured bought a seasonal residence in Michigan. We insured it on an HO 00 03 10 00. Last winter brought…

Collapse Coverage under an HO-3 Our insured has an HO-3. Our question concerns coverage for wet rot damage that has led to a sagging roof. The support…

Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…

Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…

Can pipe bursting be a covered explosion loss?