Wet Floor Versus Wet Rot This question is in regards to the ISO HO-3 policies, an edition after the 4/91. Often we have claims submitted where the…

March 2013 Intro Page     Dec Page   The article of the month deals with the 1943 New York standard fire insurance policy. The idea and…

An explanation of coverage under the DP 04 22 limited mold endorsement.

March 2013 Dec Page   Article of the Month   The article of the month, Standard Fire Insurance Policy, concerns the 1943 New York standard…

February 2013 Dec Page   Article of the Month   The Utility Services Direct Damage and Time Element Losses and Coverages article discusses…

The Supreme Court of New Jersey held that the state's mandatory insurance statute trumped an auto policy's business pursuits exclusion clause in The…

Application of Pair or Set Clause in the Flood Policy   February 12, 2013   If there is water damage to the lower cabinets but not to the…

Terrorist attacks do not trigger business interruption without physical damage.

January 2013 Dec Page   Article of the Month   In the December 2012 Dec Page, an article pertaining to contractual liability insurance was…

Primary Versus Excess Coverage February 25, 2013 This is a dispute between insurance companies over coverage related to a car accident. The case…