This Q&A discusses the definition of vermin.

Septic tanks and water backup.

Pool Cover and Replacement Cost for a Homeowner Q We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement…

Motorized Vehicles and Mini-bikes We use an AAIS Homeowner and Farmowner form 2 (2.0). The definition of a motorized vehicle is a self-propelled land…

Root Damage to Plumbing System Q We are seeing an increase in claims for "tree root" damages to plumbing systems.  Specifically, one claim involves…

Garden paths and rock structures as other structures.

  HO 3 and DP 3 Differences What are the main differences between the HO 3 and DP 3 policy forms? New York Subscriber The DP 3 provides property…

Damage to Property of Others—Tree Falling on Neighbor's Property Q I am working on a claim that occurred during a severe winter storm in which…

Does the location of vacant land matter?

Valuation—Actual Cash Value forAntiques Is Market Value Q Our company has a difference of opinion on how to value unscheduled antiques under…