Mowing the Neighbor's Yard May 14, 2012 If an insured uses his own motorized lawnmower or tractor to mow his neighbor's grass or plow his neighbor's…

Driveway as Other Structure May 3, 2013 Is a driveway considered covered property under the ISO HO 03 04 91? Our insured hired a contractor to do…

Discusses how various policies handle common issues with natural disasters.

No-Fault Add-on Plans   December 1, 2009   State Comparisons Summary: The state no-fault plans outlined on these pages provide no-fault…

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…