Loss of Value Is Not Direct Physical Damage October 18, 2010 Our insured is an antique dealer with a special businessowners form. He purchased two…

Undamaged retaining wall and loss to rest of building.

October 13, 2010 Breaking In and Exiting Damage Covered; Other Theft-Related Damage Not Covered Our insured suffered a theft of copper piping and water…

Application of ordinance or law endorsement when policy is replacement cost.

October 13, 2010 Swimming Pool Not Described on Dec Page Not Covered I am trying to determine if a swimming pool is covered under a CP 00 10 06 07 if…

October 13, 2010 Water Damage Claim Excluded by Wear and Tear Exclusion This question concerns coverage on a BP 00 02 12 99. It is a typical water damage…

Damage to Air Conditioner Caused by Power Surge October 11, 2010 We have a coverage question under our HO3 policy. The insured's AC unit condenser was…

Additional Insured and Separate Policy Limits The Minnesota Court of Appeals addressed the issue of whether an additional insured was entitled to…

Tree Limb Fall due to Wind or Other Cause? We provide Homeowner's coverage to our insured under AAIS Form 3 Ed 2.0. The Dec Page indicates the deductible…

August 2007 Dec Page   This initial discussion about EIFS (exterior insulation and finish systems) is presented in the August issue and the conclusion…