Wind Driven Rain
Wind Driven Rain July 27, 2015 We have an HO 00 03 05 11 that has endorsement HO 32 32 06 12 stating constant or repeated discharge, seepage, or leakage…
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Vehicle Falls off Lift
Vehicle Falls off Lift July 13, 2015 We insure Maryland homeowners under the AAIS HO003 09 08 edition. The claimant wanted to give her car to…
Read Full ArticleIce Fishing Hut a Trailer?
Ice Fishing Hut a Trailer? We have several clients in our agency who ice-fish during the winter, and have fishing huts which they store on their property…
Read Full ArticleRemoval of Oil Tank
Removal of Oil Tank Q Our insured has a rental property insured on a dwelling fire policy. He now wants to sell the house, but there is a problem.…
Read Full ArticleHomeowners Coverage for a Business Property
Homeowners Coverage for a Business Property Our insured is an employee of a rural water association. Someone stole a water line detecting device from…
Read Full ArticlePaved or Non-paved Driveway
Paved or Non-paved Driveway Our policy states that an insured has coverage to remove tree debris if it is on a structure, or blocks a driveway. …
Read Full ArticleWater Damage from Broken Aquarium Covered by Homeowners Policy?
Water Damage from Broken Aquarium Covered by Homeowner’s Policy? We provide coverage for our insured under a homeowners policy, AAIS Form 3 Ed…
Read Full ArticleReporting Loss After Policy Expires
Reporting Loss After Policy Expires Home is insured under a HO0003Z policy from 5/27/2009 - 5/27/2010. Just after renewal, the insured dies and the…
Read Full ArticleAppraisal Clause Intent in Homeowners Policy
Appraisal Clause Intent in Homeowners Policy Is the intent of the appraisal clause in an HO3 to settle differences in the actual cost of repairs, or…
Read Full ArticleSettling Due to Leaking vs. Natural Causes
Settling Due to Leaking vs. Natural Causes May 5, 2010 The policyholder submitted a claim for a broken water pipe hidden behind the walls of his home.…
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