Discusses when money earned from business is used for supplies only and not for profit.

The Parameters of Flood Insurance Wading Through Mud, Floods and Rising Lakes  By Christine G. Barlow From the May 2013 issue of Claims Magazine  Spring…

"Automobile" and "Motor Vehicle" Defined   April 26, 2013 Ambiguities in Policy Language   Summary: The personal auto policy (PAP) uses…

Discusses boarding pets when the property is damaged.

Fire Department Clean Up Expenses and the PAP April 1, 2013 It is my understanding that the expenses incurred by a fire department to clean up hazardous…

Roofer Starts to Replace Wrong Roof March 18, 2013 I have a homeowner claim situation that I am hoping that you can offer some insight on. A contracting…

PAP Coverage and Family Member Issues March 18, 2013 Our insured's granddaughter is operating the insured's vehicle (with permission) when she rear…

Discusses gaps in the personal lines policy - can they be filled? If so, how?

Discusses resident relative of named insured in ISO and AAIS homeowners policies. Topics covered include policy definitions, status of household members, effect of divorce or separation, children, guests, and nonrelatives.

Shows the state statutes against bullying with school requirements.