Mold Damage Over Time Q An insured has a very large two story deck off the front of his home. He lives on the Oregon Coast so the wood has a tendency…

Personal Property Stolen From Another Residence Q We have a question on coverage under an HO 00 03 05 01 for stolen property. The insured's grandson,…

Fire Department Charges Covered by Auto Policy? Some municipalities automatically send out the fire department to an auto accident scene even though…

Our insured has a DP-3 policy on some rental property. A seam in a woodburner separated allowing smoke into the ductwork. The smoke was channeled…

Release Signed by Insured Bars Reopening Claim Our insured had tornado damage some time ago. The tornado claim was adjusted and closed in spring 2005.…

Property "In the Care of" the Insured Q Our HO 00 03 insured was "dog-sitting" for his neighbor. While our insured was walking the dog, it got away…

Fragile Articles Coverage under Commercial Property Policy Q One of our insureds had a customer's marble slab resting on a bunker. The bunker collapsed,…

Coverage for Auto Incident with Parked Car Under Homeowner’s and Auto Policy Our insured had a son that did not live at home. The son brought…

Is water from the roof surface water?

Property Held for Rental Coveredby Homeowners Policy? Q Our client has an HO 00 03 05 01 on his primary residence in Florida. He also owns a condo…