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…

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…