Deductible Application for Multiple Locations Loss If an insured has two separate locations insured on the same ISO homeowners policy, and each location…

When a hurricane topples a tree.

Notification Requirement Satisfied by Calling Police Under most policies, there is a duty for the insured to notify the police in the event of a theft…

Medical Payments Coverage Applies to Travel Expenses? Our insured turned in an auto accident claim recently and asked about medical payments coverage.…

Insured continues driving after vehicle begins leaking fluid, damaging engine.

What Constitutes Business Property on a Homeowners Policy? Q Our HO 00 03 04 91 insured is a free-lance author. She was scheduled to go to Russia…

"Sistering" and the Repair of a Home Q We are a public adjusting firm. Our client's home is insured on an independently filed HO 00 03 05 01. A recent…

Personal Property Stolen From a Rental Dwelling Q Our insured has a DP 00 03 07 88 on a single family rental property. He keeps tools there so if…

Photos Damaged—Is Repair Covered? Q Our homeowners insured has replacement cost coverage for contents. Recently, she sustained a covered loss…

Ice Causes Trees to Fall—Water Damage? We have a carrier coding the ice losses from tree branches breaking off and damaging homes as water losses.…