Dwelling Fire Policy and Tenant’s Carport Our insured has a standard dwelling fire policy with the premises liability endorsement. The insured's…

Volunteer Workers Coverage Q We have questions that were put to us by a not for profit educational organization, and are unsure how to answer. This…

Portable Boat Hoist—Where Covered? Q We have an HO 00 03 05 01 insured. He has a boat insured with another carrier. Not long ago, a severe windstorm…

Other Insurance and Personal Property at Secondary Residence Our insured had a total fire at his vacation home. The home is insured on a DP 00 01 (07…

Water Leakage Causes Covered Damage? We have an insured that had a leak occur in the line running from her house to the municipal sewer. According to…

Theft Coverage for Dwelling Being Repaired Q Our client is insured on an HO 00 03 04 91. Recently, he had a partial fire loss. The kitchen and adjoining…

Water Damage Under the HO 00 03 Q Our customer is insured on an HO 00 03 10 00. During a recent heavy storm, heavy rainfall caused his well to overflow.…

Deductible Application for Multiple Locations Loss If an insured has two separate locations insured on the same ISO homeowners policy, and each location…

What Constitutes Business Property on a Homeowners Policy? Q Our HO 00 03 04 91 insured is a free-lance author. She was scheduled to go to Russia…

"Sistering" and the Repair of a Home Q We are a public adjusting firm. Our client's home is insured on an independently filed HO 00 03 05 01. A recent…