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…

Dwelling Fire Policy and Tenant’s Carport Our insured has a standard dwelling fire policy with the premises liability endorsement. The insured's…

Water backup and sump pumps.

Volunteer Workers Coverage Q We have questions that were put to us by a not for profit educational organization, and are unsure how to answer. This…

Portable Boat Hoist—Where Covered? Q We have an HO 00 03 05 01 insured. He has a boat insured with another carrier. Not long ago, a severe windstorm…

Other Insurance and Personal Property at Secondary Residence Our insured had a total fire at his vacation home. The home is insured on a DP 00 01 (07…

Water Leakage Causes Covered Damage? We have an insured that had a leak occur in the line running from her house to the municipal sewer. According to…

Application of water backup endorsement.

Theft Coverage for Dwelling Being Repaired Q Our client is insured on an HO 00 03 04 91. Recently, he had a partial fire loss. The kitchen and adjoining…