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.


November 24, 2025

When the insured is not rebuilding the dwelling that burned, is there coverage for loss of rents, and if so, for how long?

November 17, 2025

When a customer's ordered vehicle is damaged while modifications are being made before delivery, where is coverage found?

November 10, 2025

Would abatement of asbestos be covered under an HO 06?

November 02, 2025

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

October 27, 2025

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

October 20, 2025

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

October 13, 2025

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.

October 06, 2025

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

September 29, 2025

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

September 22, 2025

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