Valuation—Actual Cash Value forAntiques Is Market Value Q Our company has a difference of opinion on how to value unscheduled antiques under…

  Business Property or Insured’s Property Under AAIS form HO 0003 01 05, coverage C, a. 2) we find coverage for “personal property…

Stolen CDs and the Homeowners Policy Q Our HO-3 ('91 edition) insured had some CDs stolen from his car. The thief also took the portable CD player…

Release Signed by Insured Bars Reopening Claim Our insured had tornado damage some time ago. The tornado claim was adjusted and closed in spring 2005.…

Property "In the Care of" the Insured Q Our HO 00 03 insured was "dog-sitting" for his neighbor. While our insured was walking the dog, it got away…

Coverage for Auto Incident with Parked Car Under Homeowner’s and Auto Policy Our insured had a son that did not live at home. The son brought…

Property Held for Rental Coveredby Homeowners Policy? Q Our client has an HO 00 03 05 01 on his primary residence in Florida. He also owns a condo…

Foster Care and Homeowners Policy If a homeowner takes in mentally challenged individuals, both minor and adult, and receives money to help defer living…

Mortgagee's Claim Covered? We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an…

Theft vs. Mysterious Disappearance Q Our homeowners insured recently reported the loss of a diamond ring. She had stayed overnight in a motel and…