When is an Old Heating System too Old
When Is an Old Heating System Too Old? July 27, 2015 An insured has an old heating system in need of repair. Each year he travels to Florida for a month.…
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Television Damaged When Favorite Team Loses
Television Damaged When Favorite Team Loses November 25, 2013 The insured has an ISO broad-form homeowner’s policy (HO-2). The insured’s…
Read Full ArticleChinese Drywall and Corrosion
Chinese Drywall and Corrosion I have seen two recent FC&S articles regarding Chinese Drywall. The first is entitled "Chinese Drywall: The…
Read Full ArticleEngagement Ring—Who Should Insure?
Engagement Ring—Who Should Insure? We would like your opinion concerning who has an insurable interest in an engagement ring. It has always been…
Read Full ArticleGenerator as Other Structure
Generator as Other Structure July 27, 2015 We recently had a storm where an insured is claiming his commercial grade generator which is outside of his…
Read Full ArticleRestoration of Land
Restoration of Land Q Our homeowners insured has a special endorsement to his policy that provides some coverage for restoration of land after a covered…
Read Full ArticleBusiness Exposures—Off-Premises
Business Exposures Endorsement—Off-Premises We have a question about the use of homeowners endorsement HO 04 02 10 00 (permitted incidental occupancies…
Read Full ArticleRented Chairs and Tables Covered under Homeowners Policy?
Rented Chairs and TablesCovered Under Homeowners Policy? Q Our insured is considering renting chairs and tables for a social event. We would like…
Read Full ArticleBorrowed Boat
Borrowed Boat February 12, 2013 Our insured has a MA Homeowner’s HO3 policy. Our insured had borrowed his friend’s boat. He…
Read Full ArticleVisiting is not Occupying
Visiting Is Not Occupying March 5, 2014 Our insured owns a home and moved to an apartment in 2011. He does go back to his residence on the weekends.…
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