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.

Borrowed Boat   February 12, 2013   Our insured has a MA Homeowner’s HO3 policy. Our insured had borrowed his friend’s boat. He…

Wet Floor Versus Wet Rot This question is in regards to the ISO HO-3 policies, an edition after the 4/91. Often we have claims submitted where the…

Application of Pair or Set Clause in the Flood Policy   February 12, 2013   If there is water damage to the lower cabinets but not to the…