Weight of Ice or Water Our insured is covered by the 1984 ISO HO-3 and received damage to his above ground swimming pool due to the weight…

Medical Payments to Others—Preventive Medical Care Q We have a question about homeowners medical payments coverage. Our insured was entertaining…

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.