TCPA Damages are not Punitive Damages   May 28, 2013   The Illinois Supreme Court has ruled that liquidated damages of $500 per violation…

Discusses application of coverage when multiple policies at in force.

Loss of Rents Coverage (Dwelling Policy) My insured was covered under form DP 00 01 07 88 for $160,000. Under Other Coverages provision 5, he is entitled…

A question of coverage for mold damage as a result of condensation over time.

Loss of Natural Gas From Cracked Pipe Our homeowners customer recently discovered that the pipes carrying natural gas under his patio had broken down…

June 2013 Intro Page   Dec Page   The article of the month deals with overhead and profit. Whenever covered property sustains a loss from…

Care, Custody, or Control Exclusion and Dropped Trailer March 21, 2012 Our insured is a stevedoring business. While loading a trailer on a truck, the…

Fire Fighting Expenses as Property Damage March 21, 2012 Our insured accidentally started a forest fire that caused damage to a third party's forest/prairie.…

Water Overflow Coverage in a Tenant's Policy April 29, 2013 This loss involves a tenant's policy under an HO 4 policy form. The policyholder resides…

Mowing the Neighbor's Yard May 14, 2012 If an insured uses his own motorized lawnmower or tractor to mow his neighbor's grass or plow his neighbor's…