Denial Due to Lack of Maintenance June 1, 2015 An insured has an old heating system in need of repair. Each year he travels to Florida for a month.…

AAIS Boatowners Program July 2008 Coverage for the Average Boatowner Summary: The American Association of Insurance Services (AAIS)…

Damage to Trees and Removal of the Debris May 20, 2015 A tree felled by wind landed across a driveway. It did not damage the driveway, it just blocked…

Appraisal and Mediation May 20, 2015 Our insured has a high valued homeowners policy, PHVH-998-LA(03/2011). My questions are relevant to the appraisal…

Honey from Bee Hive Leaks into Dwelling May 20, 2015 Is there any coverage on an all risk policy for damages due to a bee hive leaking honey into the…

Insured seeks coverage for frozen pipe water damage when tenant did not pay the water bill.

The named insured made a claim for a stolen snow blower. Her policy provides coverage for loss by named perils for personal property only. By endorsement…

Solar panels are becoming more popular. We had a homeowners claim denied when solar panels collapsed due to weight of ice and snow. The panels were…

This article discusses the exclusion for water backup of sewers and drains and relevant court cases, as well as endorsements providing coverage.

Personal Effects Form   April 6, 2015   Summary: The personal effects form is uniquely tailored to the traveling insured. The effects covered…