Date of Purchase and Date of Vacancy My question involves a dwelling fire policy with basic coverage. The client purchased a home with the intent to…

It seems like we are getting more claims presented for damage perpetrated by insureds' own children. On HO3 coverage what is FC&S's call on damage…

In a multi-family dwelling, what establishes vacancy?

Power Surge, Damaged Computers, and Incompatible X-Ray Machines November 19, 2012 A power surge destroyed the insured's computers. The insured is a…

Do gun parts fall under the special limit, or are they separate property?

Hot Tub Loss as Coverage C or Coverage B? Our Insured has a hot tub. It is a self contained unit, located in an out-building, separate from the house.…

Discusses broken window and rain coming inside.

Vehicle Related Property Losses 2 claim coverage questions. AAIS Form 3, Ed. 2.0 for Homeowners. 1. Theft of 2 laptops from insured's car. One belonged…

Residency and Ownership October 25, 2012 Our insured was living in a residence located in south-central California approximately 16 months prior to…

CP 04 17 10 12 Utility Services - Direct Damage, October 2012 edition