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Questions & Answers
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Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.
Coverage when passenger is already injured and is injured again in an accident.
When matching siding isn't available how should it be repaired?
Rented Chairs and TablesCovered Under Homeowners Policy? Q Our insured is considering renting chairs and tables for a social event. We would like…
Ice Fishing Hut a Trailer? We have several clients in our agency who ice-fish during the winter, and have fishing huts which they store on their property…
Pool Cover and Replacement Cost for a Homeowner Q We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement…
Root Damage to Plumbing System Q We are seeing an increase in claims for "tree root" damages to plumbing systems. Specifically, one claim involves…
Garden paths and rock structures as other structures.
Valuation—Actual Cash Value forAntiques Is Market Value Q Our company has a difference of opinion on how to value unscheduled antiques under…
Theft of Phone Time—Insured Loss? Q We have had a somewhat unusual claim presented to us. The insured has an HO 03. She had to go out of town…
Condominium Gutting Excluded as an Act or Decision? We have several insureds, insured on standard condominium unit-owners policies, who resided in a…