Our claims department continues to struggle with coverage provided by the CP 00 17 10 00 for (specifically) carpeting, and also wallpaper and paint…

Debris Removal, Demolition and Resulting Hole The insured suffered a total loss to their residence. The insurance company has agreed to cover the cost…

Our insured is building a new home and we're using a HO-3 as a form of builders risk coverage. Two weeks after the cement wall was poured for the foundation,…

Our insured is a homeowner who is acting as his own general contractor in building his new home. Does he need to buy any additional liability coverage…

My client is insured under the HO-3 program. Recently, his ceiling collapsed. The dry wall was installed about 20 years ago using a product designed…

Debris Removal—Volunteer Expense The insured sustained a total loss on his dwelling covered under an AAIS homeowners policy. The insurance company…

Our insured has a homeowners policy with form HO-3. Recently, hydrostatic pressure caused a retaining wall to collapse. Part of the wall landed on…

A claim has been presented to us for payment resulting from a loss of antiques and collectibles due to a fire at an antique mall. The insured is seeking…

Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners policy. While playing, her children (all of…

We have had a claim denied under a homeowners policy and would like your help in explaining the denial to our insured.Here is what happened: our…