Garden paths and rock structures as other structures.

Does the location of vacant land matter?

We recently received a claim in which the cause of loss is reported as "smoke damage".  The "smoke damage" is actually residue from some kind of drug…

Mold Claim under Personal Auto Policy We have an insured who reports mold growing in her car. There was a hole in the car's convertible top. The insured…

A question of coverage for mold and water damage from frozen piping.

Discusses date of loss versus date of assessment and payment of claim.

Is water from the roof surface water?

Wind driven rain on separate occasions damages same property.

When a husband and wife are collecting additional living expense due to a homeowners loss, the policy does not cover the expenses of a spouse who leaves the other spouse and sets up an additional household.

A claimant was involved in a car accident with our insured. The claim against the insured was for property damage done to the other car and included…