When the power goes out, what happens when the surge when the power comes on causes damage?

Pollutant Damage Caused by Specific Perils Not Excluded Our insured sustained a loss due to a puff back from their gas-fired furnace. The carrier denied…

Property Management Fees a Part of Covered Loss Q I am a public adjuster and many of my clients are represented by property management firms that…

Outdoor Signs and Outdoor Fixtures Covered as Commercial Property? The commercial property coverage form (CP 00 10) insures outdoor fixtures but excludes…

Water Damage Not Caused by Drain Overflow Excessive rain from thunderstorms caused interior water damage to a building through the roof. The building…

Rented or Occupied Property Covered under CGL Form? Q Our CGL insured is a small electronics manufacturing firm. Frequently, the owner, the named…

Spoilation of Evidence Claim and the CGL Form Q I read an article recently that mentioned spoilation of evidence and noted possible coverage issues…

When the warranty requires steps beyond the insurance policy.

Spoilage Coverage Does Not Provide Additional Limits We have a CP 04 40 06 95, Spoilage Coverage form on a retail business. Fire destroyed the business,…

In Greene, Tweed & Co., Inc. v. Hartford Acc. & Indem. Co., No. 03-3637, 2006 WL 1050110 (E.D. Pa. Apr. 21, 2006), the U.S. District Court for…