Discusses storage of property that can no longer be stored on insured premises and laundering of clothes during the relocation.

When part of an older roof is damaged, matching issues come into play.

This Q&A discusses the definition of vermin.

Septic tanks and water backup.

Pool Cover and Replacement Cost for a Homeowner Q We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement…

Motorized Vehicles and Mini-bikes We use an AAIS Homeowner and Farmowner form 2 (2.0). The definition of a motorized vehicle is a self-propelled land…

Root Damage to Plumbing System Q We are seeing an increase in claims for "tree root" damages to plumbing systems.  Specifically, one claim involves…

Garden paths and rock structures as other structures.

  HO 3 and DP 3 Differences What are the main differences between the HO 3 and DP 3 policy forms? New York Subscriber The DP 3 provides property…

Damage to Property of Others—Tree Falling on Neighbor's Property Q I am working on a claim that occurred during a severe winter storm in which…