Collapse of RetainingWall Causing Damage Our insured has a homeowners policy with form HO-3. Recently, hydrostatic pressure caused a retaining wall…

Duplicate Contents Coverage I am handling a case on behalf of an insurance company. Coverage C of their homeowners policy is at issue in this bad faith…

Deductible(s)—Damage by Wind and Lightning Our insured, on an HO 00 03 10 00, had his home damaged during a recent thunderstorm.  Lightning…

Debris Removal Part of ACV Loss? There was a fire loss to the insured’s home. I have reached agreements for the coverage A (building) portion…

Damage to Hotel Room on Business Trip—CGL or Homeowners? Our insured, vice-president of sales for a large company, has an HO 00 03. We also insure…

Definition of Insured Bar to Coverage on HO We have had a claim denied under a homeowners policy and would like your help in explaining the denial…

Damage to Common Areas under a Tenant Homeowners? Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners…

Dwelling Under Construction—Liability Coverage Our insured is a homeowner who is acting as his own general contractor in building his new home.…

Discusses coverage for collapse of 20 year old ceiling.

Discusses damage from falling rain as opposed to surface water on a dwelling policy.