This article discusses the coverages and exclusions of the National Flood Insurance Program general property form. This is used to insured commercial property risks.

Tenant Relatives are not Insureds June 10, 2014   Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws…

Utility Company Power Failure on Premises June 10, 2014   Reviewing a claim in which the electric company had a surge that damaged a power box…

This article discusses the words and terms that have a contractually defined meaning that applies throughout the BAP.

Third Party Over Actions Nature – Obstacles – Defenses   June 17, 2014   Summary: The leading disputes dealing with construction…

Scheduled Limits and Value of Stolen Ring June 10, 2014   The insured had a ring stolen that was not specifically scheduled. Our policy has a special…

UM Coverage and Unidentified Operator or Owner as Cause of Accident   June 23, 2014 The insured brought an action against the auto insurer to recover…

When and Insured’s Art Work Gets Damaged June 23, 2014   I have a question on a homeowner's claim. Some artwork painted by the insured got…

Secondary Loss June 10, 2014   An insured presented a claim 6 months ago for water damage to the living room/dining room floor. It was denied based…

July 2014 Intro Page   Dec Page   he article of the month in the Dec Page deals with the effect of the insureds' declarations or statements.…