Actual Cash Value Insufficient for Damages to Historic Building   In Rockford Mut. Ins. Co. v. Pirtle, 911 N.E.2d 60 (Ind. Ct. App. 2009), the…

Accident and Occurrence Synonymous? Accident is not a defined term in the policy. Would it include "occurrence" coverage similar to commercial auto?…

Personal Umbrella Liability Insurance June 2007 Usual Features and Provisions Summary: Personal umbrella liability insurance, often confused with…

Liability for Injury on Motor Home Campsite The insured has a motor home which he drives to a rented campsite for a weekend of pleasure. A third party…

Direct Physical Loss and Cosmetic Loss Hail stones have created dents to a copper roof. The section of roofing is located over a second story bay…

Table of Limits—Archived Article May, 2006 Financial Responsibility andCompulsory Insurance Laws Summary: The table that follows displays…

Condominium Assessments with HO 17 32 and HO 04 28 Endorsements This is a claim under the HO-6 Condo Owners Policy with HO 17 32 endorsement and HO…

Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…

Pothole Damage as Collision Under the PAP? Would tires damaged due to hitting a pothole be considered damaged due to road hazard, and therefore fall…

Special Provisions - Variations by State—Archived Article February, 2004 Introduction Although some states have not yet approved use of the…