Loss of Natural Gas From Cracked Pipe Our homeowners customer recently discovered that the pipes carrying natural gas under his patio had broken down…

Water Overflow Coverage in a Tenant's Policy April 29, 2013 This loss involves a tenant's policy under an HO 4 policy form. The policyholder resides…

Residence Issue When Insured Travels for Business More Than He Is Home   May 21, 2013 My client owns a house in Pinehurst, NC. The home is insured…

Insured Rents Hall for an Event May 3, 2013 My question pertains to the HO-3 ISO Homeowners form in regards to the liability portion of the policy.…

Patio as a Building May 3, 2013 We have an insured with an HO 00 03 10 00 policy. Heavy snow and ice buildup caused the roof of their patio cover to…

Insured’s Failure to Adhere to Policy Conditions April 29, 2013 Insured delayed providing the proof of loss to the carrier on a theft claim. Carrier…

Mowing the Neighbor's Yard May 14, 2012 If an insured uses his own motorized lawnmower or tractor to mow his neighbor's grass or plow his neighbor's…

Driveway as Other Structure May 3, 2013 Is a driveway considered covered property under the ISO HO 03 04 91? Our insured hired a contractor to do…

Discusses how various policies handle common issues with natural disasters.

No-Fault Add-on Plans   December 1, 2009   State Comparisons Summary: The state no-fault plans outlined on these pages provide no-fault…