Gravel Driveway   November 4, 2014   Regarding coverage B other structures, we need some clarification on the following: "Sometimes questions…

The subject of this discussion is the improvements and betterments insuring agreement in forms covering residential risks. This supplementary coverage is sometimes also known as Building Additions and Alterations.

October 28, 2014  Summary: Residual markets, including automobile plans, "FAIR plans" and "beach plans" for property exposures, are listed by state.…

States' Acceptance of Electronic Signatures   October 21, 2014   Most states have adopted a form of the Uniform Electronic Transactions…

Questions if lava flow is excluded based on the landslide/earth movement exclusion of the HO 00 03 and DP 00 03 policies.

Late Estimate and Fair Rental Value   October 2, 2014   Our insured had a water loss in a condo under a dwelling fire policy on 7/18/14. The…

Portability and Determination of Personal Property   October 2, 2014   A policyholder suffers a fire loss to their detached garage. The insurance…

Engineering Report and Ordinance or Law   October 2, 2014   I have an insurance carrier that does not want to pay for the cost of an engineering…

Extension of Liability   October 2, 2014   The HO-3 policy covers the residence premises listed on the dec page. If the named insured is no…

A homeowner has a replacement cost policy for the dwelling but has an ACV endorsement for the roof. The roofing material that is currently installed…