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Mortgagee Clause and Misrepresentation of Insured   February 12, 2013   If an HO-2 Policy in Tennessee has been rescinded due to misrepresentation…

Facts of Loss Red Flags   June 15, 2015   Fraud can be easy or difficult to determine, depending on the expertise of the person committing the…

This checklist highlights when the timing of the loss or filing of the claim could indicate fraudulent activity.

This checklist reviews behaviors or situations that may indicate fraud is present in the claim.