Repeated Seepage or Leakage Q Our insured is covered under an HO 00 03 04 91. Some time ago he noticed a wet patch on his bedroom wall. He meant to…

Medical Payments Coveragefor Rental Property Q Our insured has an HO-3 (1984 edition) with the HO 70, Additional Residence Rented to Others, endorsement…

Theft of Own Property by Insured Q We have an unusual situation. Our insureds were both named insureds on a homeowners policy (HO-3). They were not…

Our insured recently suffered water damage to the contents of his home. He was in the process of remodeling and the contractor had removed a part…

Ordinance or Law and Rebuilding the House Elsewhere Q This issue concerns interpretation of the Ordinance or Law coverages found within the HO-3 (Ed.…

Contract Cancellation Cause of Loss We have a client who ordered $20,000 worth of new kitchen cabinets before they had a fire. The cabinets were never…

Personal Liability Coverage for Negligent Misrepresentation? Q My insured was recently found negligent in circuit court for failing to disclose a…

Swimming pool as other structure.

Salvage Rights to House? The scenario is this. We have a client who was under-insured at the time of loss. The policy limit on the contents portion…

Guiding Principles Not Binding on Insured? The Guiding Principles are not binding on insurers although many have voluntarily agreed to abide by the…