Discusses application of depreciation in determining actual cash value with regard to commercial property, personal property, and autos.

Common Endorsements—AAIS Program—Archived Article December, 1998, Revised April, 1999 Tailoring to Meet Coverage Needs Summary:…

ISO Homeowners Section I—Archived Article May, 2003 Property Coverage Agreements Summary: These pages examine section I (property) homeowners…

Is liquid waste an object?

Pickup truck - vehicle or could it be mobile equipment?

September 2011 Intro Page   Dec Page   The article of the month highlights home business coverage. ISO has developed an endorsement, HO 07…

Roof replacement and matching.

Certificates of Insurance and Insureds August 18, 2011 My question is concerning the Acord 25 Certificate of Liability. We have an insured with an…

Intentional Acts and Unintentional Results August 18, 2011 I am handling a homeowners liability claim under the HO5 policy. Our insured was conducting…

Power Failure or Wear and Tear? August 18, 2011 The insured carries an HO 00 03 (4/91). A light fixture in the insured's living room began to spark…