Discusses water backing up through drains in the home.

Discusses rationale behind scheduling, coverages, and exclusions.

Ride-Sharing Insurance RegulationsJuly 17, 2015As ride-sharing has caught on in popularity, it has come to the attention of legislators that drivers…

Vehicle Falls off Lift   July 13, 2015 We insure Maryland homeowners under the AAIS HO003 09 08 edition. The claimant wanted to give her car to…

Water Exclusion Clause   July 13, 2015   In Property Insurance Forms   Summary: A standard feature of property insurance forms is the…

Uninsured Motorist Gumbo  Evaluating UM Stacking, The UM Formula, Offset, and PIP  June 5, 2015  Summary: This article was written by Mr. Thomas…

Motorized Ground Maintenance Vehicles Form   June 29, 2015   Like golf carts and snowmobiles, motorized ground maintenance vehicles are…

Discusses status of carpeting, drapes and light fixtures as part of dwelling or personal property.

Flood Damage to Vehicle Parts in House June 22, 2015 Our insured recently sustained a flood loss to their home. Prior to the flood, the insured had…

Mortgagee Clause and Misrepresentation of Insured   February 12, 2013   If an HO-2 Policy in Tennessee has been rescinded due to misrepresentation…