Appraisal Clause Intent in Homeowners Policy Is the intent of the appraisal clause in an HO3 to settle differences in the actual cost of repairs, or…

Mitigation Expenses Coverage We would like to address a question that comes up continually with insurance companies. On landscaping and coverage B…

Discusses frozen pipe claim when tenant did not pay the utility bills.

Owners, Named Insureds, and Additional Insureds We have a policy where four siblings own a home. The mother lives in the house but deeded the property…

Is a recommendation for a gutter cover covered under ordinance or law?

Liability for Third Party Injury at Campsite The insured has a camper which is hauled to a rented campsite by a personal auto, unhooked from the vehicle…

Member of Boat Club an Owner or Renter of Boats? April 14, 2010 We have been presented a claim where the claimant was injured on a boat. The boat was…

A question of coverage for mold damage when the mold is hidden inside a cabinet.

What coverage is available when a residence suffers a second fire loss while repairs are being made for an earlier fire loss?

Intent of 5 Percent Debris Extension? There is a 5 percent extension for debris removal of covered property under the HO-3 forms. Stated coverage under…