HO 24 82 05 11 Personal Injury Coverage, May 2011 edition

Road Repairs Covered under HO3? We represent a homeowner insured under an HO-3 in NC. The property is located on top of a mountain in a remote area…

Bulging Due to Power Outage and Humidity Due to the massive ice storm 1/27/09, we have many policyholders who have been without power, some going on…

Appraisal Clause Intent in Homeowners Policy Is the intent of the appraisal clause in an HO3 to settle differences in the actual cost of repairs, or…

Mitigation Expenses Coverage We would like to address a question that comes up continually with insurance companies. On landscaping and coverage B…

Liability for Third Party Injury at Campsite The insured has a camper which is hauled to a rented campsite by a personal auto, unhooked from the vehicle…

Member of Boat Club an Owner or Renter of Boats? April 14, 2010 We have been presented a claim where the claimant was injured on a boat. The boat was…

Intent of 5 Percent Debris Extension? There is a 5 percent extension for debris removal of covered property under the HO-3 forms. Stated coverage under…

Discusses frozen pipe claim when tenant did not pay the utility bills.

Owners, Named Insureds, and Additional Insureds We have a policy where four siblings own a home. The mother lives in the house but deeded the property…