When a roof is damaged by wind, hail or some other covered loss, it's not unusual for worn decking to be discovered when the roof is removed for repairs. That worn decking also needs to be repaired. The question then becomes does the wear and tear exclusion apply, or should the repair to the decking be considered part of the roof claim? This article reviews the issue and how it should be handled.

How do you buy property insurance for something that cannot be touched? The literal impossibility of physical damage is a red flag to many insurers.

An adjuster goes bad and makes fraudulent payments, falsifies documents, and commits other bad behaviors.

When a roof is damaged and during repair it is discovered that the decking is worn, should the decking be covered as part of the loss?

When an insured claims the vehicle he sold was stolen, he lands in hot water.

The location of the insured's vehicle gave clues to who set the fire.

When an insurer rejects an insured's proof of loss, what happens next?

ALE benefits are set to expire on the 2-year anniversary of the fire.

The justices explicitly held that a policy was illusory when the coverage actually afforded by a policy was "extremely minimal and afford[ed] no realistic protection to any group or class of injured persons."

How are rental cars treated under a Personal Auto Policy, and when should you elect for the Loss Damage Waiver?