Theft of Phone Time—Insured Loss? Q We have had a somewhat unusual claim presented to us. The insured has an HO 03. She had to go out of town…

When the insured wants to change the property using settlement funds.

Condominium Gutting Excluded as an Act or Decision? We have several insureds, insured on standard condominium unit-owners policies, who resided in a…

Is the cost to dig up a water line in the yard between a home and the water meter covered by a homeowners policy?

Other Insurance and Loss Settlement on Homeowners Policies Q We are unsure how to settle a claim where two homeowners policies apply, and would like…

When matching siding isn't available how should it be repaired?

Medical Payments Coverage for Guest on Tenant Homeowners Policy Q Our insured has a tenant homeowners policy. His mother was visiting him, and, while…

When property of others is stolen from a residence.

Fire, concrete roof and ensuing loss.

We have a consumer inquiry involving damage done to a rental property by a tenant. The dwelling was insured under a DP-3 form, 10/00 edition. The…