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…

Damage to Neighbor’s Residence Caused by Insured’s Teenager May 11, 2015 Facts: Our named insured set up a tarp in his backyard so his fifteen-year-old…

Discusses the Maryland Insurance Department's response to riots in Baltimore City.

Coinsurance on Other Structures April 20, 2015 I have a loss to other structures on the homeowners policy. Is coverage and coinsurance determined…