July 15, 2012 Changing Real and Personal Property Loss SettlementsIntroduction The Insurance Services Office (ISO) has several loss settlement…

Humid Attic August 21, 2012 On an HO 00 03 10 00 with endorsement HO 04 27 04 02 it sounds like humidity in an attic area where mold was unknown and…

MSO HOMEOWNERS MPL01  Common Provisions- Section II  August 24, 2012  Summary: The MPL01 form from MSO is the form that provides the common…

Homeowners Form HO OO O6Insurance for Unit Owners--ArchiveJanuary, 2001Special Considerations for Multiple Occupancy RealtySummary:…

Dead Storage August 2, 2012 The insured policyholder had a 1933 vintage hot rod car in dead storage inside his dwelling's garage when a total loss fire…

Hobby Art with an Appraisal August 2, 2012 If an insured has paintings that have been done as a "hobby" in her home, and she has gotten a 3rd party…

Location of Residence August 2, 2012 Our insured was living in a residence located in south-central California approximately 16 months prior to a total…

- Is mismatched staining a loss in and of itself?

Discusses additional coverages and application of deductibles.

This article analyzes the MSO Homeowners form.