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…

Foster Care and Homeowners Policy If a homeowner takes in mentally challenged individuals, both minor and adult, and receives money to help defer living…

Mortgagee's Claim Covered? We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an…

Theft vs. Mysterious Disappearance Q Our homeowners insured recently reported the loss of a diamond ring. She had stayed overnight in a motel and…

Wind Loss to Personal Property We have a hurricane claim and there was no damage to either the exterior or the interior of our insured's condo unit.…

Are carbon monoxide fumes in an apartment pollution?

Mildew Covered on Homeowners? Q During the past summer, our homeowners insured's roof was completely blown off during a windstorm. As a result of…

Theft Limitation and Deductible on HO 00 02 Q One of my clients, who is insured on a HO 00 02 04 91, lost $7,200 worth of property in a burglary.…

Vehicle Damage to Borrowed Grill? Q Our insured borrowed a barbeque grill from a friend. He loaded it in the back of his pickup to return it. On the…

Theft Coverage for Lost Luggage and Homeowners Policy Q We have been presented with a claim for theft of luggage from an airline, and are not sure…