Theft from Home Not Yet Occupied Q Our insured sold his house prior to having a new one constructed. He moved into an apartment and put his contents…

Pollution Exclusion Applies to Cleanup of Corpse? June, 2002 We are adjusting a claim for the cost of cleaning up a corpse that had decayed within an…

Parking Condo Coverage on Homeowners Policy? Q Our HO 00 03 05 01 insured owns, in conjunction with several other people, a private "parking…

Theft Peril and Personal Property at Another Residence I have an insured with a standard homeowners policy. He has a fishing boat insured on the policy.…

Collision Loss Includes Damage to Eyeglasses? Q We have a question about coverage under a personal auto policy. Our insured was driving home after…

Personal Property Covered Away from Residence Premises Q Our client's home is insured on an HO-3. He holds the mortgage on another house, where his…

Discusses the difference between vandalism and simply changes to the property.

Replacement Cost—Second Insurer Liable Even if First Insurer Paid Too Much Q One of our homeowners insureds was paid for a total loss to his…

Is damage from a visiting ill dog covered under the homeowners policy?

Watercraft Liability Coverage for Homeowner's Friend? Our insured has a homeowners policy that is similar to the ISO HO 00 03. He has a boat with an…