When a policy contains a wind/hail deductible as well as the policy deductible, which deductible applies in a given loss?

When thousands of dollars of tools are destroyed and the policy contains a limit on tools, how do you determine what is a tool?

When tenants are displaced due to a loss and housed in empty apartments, can the insured still collect loss of business income?

The insured is displaced by damage to his primary policy, and wants compensation when he moves into his secondary property and no longer rents it out via Airbnb.

When a windstorm causes a pole to break in half which then causes a fire, what's the proximate cause of the loss?

When leased solar panels need to be removed in order to repair the damaged roof, how does coverage apply?

What is occupancy in relation to the 60-day vacancy provision in the dwelling fire policy?

An insured loses power but manages to keep the business open, but there's a concurrent causation exclusion in the policy.

When an insured has a medical issue and bleeds in the house, is clean up covered?

When an employee is injured at work by a power line touching a vehicle, which coverage applies?