Pool Liner and Concrete Block February 4, 2014 Insured has an in ground pool. Water collected on the cover and pulled down on it, causing one of the…

In-laws Are Not Insureds February 4, 2014 Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws at a reduced…

Multiple Mortgagees February 4, 2014 There was a fire loss in Wisconsin where the seven-figure home sustained a devastating house fire. The house had…

Guaranteed Replacement Cost and Repair or Replacement February 4, 2014 The policyholder has the guaranteed replacement cost endorsement (GRC) on her…

Removal of skunk spray and residual odor.

Heating Service Overfills Oil Tank February 3, 2014 I have a homeowners claim that is insured with ISO form HO 03 04 91. The cause of loss is an oil…

Sold Vehicle Still a Covered Auto January 27, 2014 Our policyholder sold his vehicle to a private owner and never notified the insurer so the vehicle…

 Review of Policy Provisions and Court Decisions  March 19, 2012  Summary: Public policy against allowing a wrong-doer to profit from his own…

This article provides an overview of fire legal liability coverage.

Fluids Damage Assisted Living Facility January 7, 2014 Our insured had a HO 4 policy (04/91) policy. Our insured is a tenant at an assisted living facility.…