A question of coverage for mold and water damage from frozen piping.

Discusses date of loss versus date of assessment and payment of claim.

Mold Damage Over Time Q An insured has a very large two story deck off the front of his home. He lives on the Oregon Coast so the wood has a tendency…

Personal Property Stolen From Another Residence Q We have a question on coverage under an HO 00 03 05 01 for stolen property. The insured's grandson,…

Fire Department Charges Covered by Auto Policy? Some municipalities automatically send out the fire department to an auto accident scene even though…

Is water from the roof surface water?

Are carbon monoxide fumes in an apartment pollution?

Wind driven rain on separate occasions damages same property.

Theft and Vacancy Exclusions Not Applicable to Newly Renovated Dwelling Q Our client owns rental property (a home), covered by a special form dwelling…

Safe Deposit Box Drilling Covered? Our insured's dwelling and personal property were destroyed in a tornado. The keys to her lock box at the local bank…