Insurance Coverage Q&A: Efficient Proximate Cause and Policy Dates
What happens when exposure to the peril is during the policy period, but the damage doesn't occur until after the policy lapses?
Read Full ArticleShowing Results For 'Section: Dwelling Program, Channel: Dwelling-Homeowners'
Vandalism versus Hard Living
We have a consumer inquiry involving damage done to a rental property by a tenant. The dwelling was insured under a DP-3 form, 10/00 edition. The…
Read Full ArticleSon and Dog Are Tenants, Not Resident Relatives
When an adult child rents a property from the insured and the adult child's dog bites another person, where does coverage exist?
Read Full ArticleDeductible—How Applied on Dwelling Policy?
When the amount of property loss exceeds the policy limit, what is considered the total amount of the loss?
Read Full ArticleVacancy, Occupancy and Vandalism
Does the presence of appliances and the commitment of residency in the future determine vacancy?
Read Full ArticleSmoke Damage From Drug Lab
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…
Read Full ArticleInsurance Coverage Q&A: Frozen Pipes in Rented Dwelling
Discusses frozen pipe claim when tenant did not pay the utility bills.
Read Full ArticleDP 05 38 07 21 Cap On Losses From Certified Acts Of Terrorism; Disclosure Pursuant To Terrorism Risk Insurance Act
DP 05 38 07 21 Cap On Losses From Certified Acts Of Terrorism; Disclosure Pursuant To Terrorism Risk Insurance Act endorsement.
Read Full ArticleInsurance Q&A of the Week: Named Perils and Deceased Tenants
More often than you might imagine we get questions concerning deceased individuals and cleanup of remains. This particular question deals with a named perils policy.
Read Full ArticleISO Personal Lines Contract Analysis Directory
This article provides links to the major contract analysis discussions of ISO's personal lines policies.
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