Collapse Coverage under a Mobile Home Policy Our client has a mobile home covered by an AAIS form ML-3. Part of the roof hangs over the front of the…

Carport a Canopy? Insured made claim under an AAIS form 2 for "weight of ice and snow" damage to a carport attached to the end of the dwelling. The…

Collapse Coverage under Homeowners Policy Our insured bought a seasonal residence in Michigan. We insured it on an HO 00 03 10 00. Last winter brought…

Collapse Coverage under an HO-3 Our insured has an HO-3. Our question concerns coverage for wet rot damage that has led to a sagging roof. The support…

Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…

Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…

Boat Sinking and Loss of Personal Property An insured's boat sank and the personal property on the boat was lost. The insured's boat policy only had…

Broken Glass Used to Level Yard We have had an unusual claim submitted to us, and would like your thoughts. Our insureds have an HO 00 03 04 91 on a…

Business Use Exclusion Applies to Sales Party? The policyholder was hosting a Mary Kay make-up party (she was not the consultant, just the host). Once…

Assignment of Claim Payment Farm Bureau Mutual Insurance Company's Policy States, “Change/Assignment of Interest---No change of interest in this…