Photos Damaged—Is Repair Covered? Q Our homeowners insured has replacement cost coverage for contents. Recently, she sustained a covered loss…

Ice Causes Trees to Fall—Water Damage? We have a carrier coding the ice losses from tree branches breaking off and damaging homes as water losses.…

Transportation Costs to Return from Vacation Covered? Q An insured was away on vacation when she learned of a fire at her home. She had to return…

Scheduled Diamond Ring—Coverage for Cracking? Q Our insured had a loss to a diamond ring scheduled on an HO-61. She found to her amazement it…

Damage to Property of Others—Tree Falling on Neighbor's Property Q I am working on a claim that occurred during a severe winter storm in which…

Mildew in the attic.

Direct and Accidental Damage We have an insured who purchased a new vehicle in the summer of 2007. In the purchase agreement the insured opted to have…

When lightning hits a well and wind from the same storm topples a tree, is it 1 loss or 2?

Family Member Includes College Student? Our insured's son went away to college and when he wanted to rent a vehicle, the rental company would only rent…

Is a septic tank made of fiberglass covered under glass portion of a policy?