Mechanical or Electrical Breakdown Exclusion and Damage Caused by Voltage Regulator An insured was driving his vehicle when he smelled smoke. He pulled…

Ordinance or Law IssuesBuilding Codes, Insurance Policy Exclusionary Language, and Coverage EndorsementsApril 2007By Diane Richardson, CPCUFC&S…

Property Damage Coverage and Rental Vehicles The following question is on your Web site: Our insured was involved in an auto accident where the other…

Our Option Clause and Loss Settlement My question involves the Section I - Conditions Section of the HO 00 05 10 00 Policy Form, specifically in regard…

Public or Livery Conveyance Exclusion and Flower Delivery Our insured loaned her vehicle—on one occasion only—to a flower delivery shop…

Discusses whether or not damage to pet's home alone qualifies for ALE.

Status of Wall-to-Wall Carpet, Drapes, and Lighting Fixtures—Archived Article April, 2002 Dwelling or Contents? Summary: There are a number…

Discusses delay in construction and settlement and payment of ALE.

First Aid Defined I have a question regarding the first aid expense, number 2 under additional coverages on the ISO HO 00 03 10 00. What constitutes…

Water Damage from Broken Aquarium Covered by Homeowner’s Policy? We provide coverage for our insured under a homeowners policy, AAIS Form 3 Ed…