Refrigerator with an Odor We had an insured who had their refrigerator stop running while they were on vacation for a week. When they returned it was…

Deceased Insured and Coverage for Remaining Property Our named insured passed away in November 2007. The house remains unoccupied. In late December…

Medications Considered to be Personal Property? Would you consider personal medication part of personal property coverage? West Virginia Subscriber…

Homeowners Co-insurance Penalty Under an HO-3 open peril policy, is cleaning of the dwelling after a partial loss subject to the underinsurance penalty…

Fungi Endorsement Application I have a mold claim on a form 3 homeowner policy. They have the fungi coverage endorsement. The endorsement states we…

Sales Tax on Contents I am located in North Carolina handling an HO-2 fire claim with ACV only coverage on Cov C for the property owner. We submitted…

Downspouts, drains, and surface water.

Homeowners Pollution ExclusionsThe ISO and AAIS FormsSeptember 2008Summary: The first party property pollution exclusion found in the…

Rental Vehicle Coverage Issue Our insured rented a vehicle from a rental company, and turned it over to another person. He had no intention of using…

Racing Exclusion Applies to Chase Vehicle? We have a question concerning the exclusion in the personal auto policy for autos used in connection with…