Fire, concrete roof and ensuing loss.

When part of an older roof is damaged, matching issues come into play.

Septic tanks and water backup.

When an insured changes carriers and discovers hidden damage, what should the date of loss be?

Our insured has a DP-3 policy on some rental property. A seam in a woodburner separated allowing smoke into the ductwork. The smoke was channeled…

Debris removal and tree coverage.

Weight of Ice or Water Our insured is covered by the 1984 ISO HO-3 and received damage to his above ground swimming pool due to the weight…

Our insured recently suffered water damage to the contents of his home. He was in the process of remodeling and the contractor had removed a part…

Water backup and sump pumps.

Should additional living expenses on a homeowners policy be paid when floor sinks and residents are ordered to vacate until it is repaired?