Sale of Property and Assignment of Policy
Sale of Property and Assignment of Policy May 22, 2017 I have a VA policyholder. I don't have the exact policy form yet but it is an HO…
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Wet Floor Versus Wet Rot
Wet Floor Versus Wet Rot This question is in regards to the ISO HO-3 policies, an edition after the 4/91. Often we have claims submitted where the…
Read Full ArticleDebris Removal and Volunteer Expense
Debris Removal—Volunteer Expense The insured sustained a total loss on his dwelling covered under an AAIS homeowners policy. The insurance company…
Read Full ArticleDate of Purchase and Date of Vacancy
Date of Purchase and Date of Vacancy My question involves a dwelling fire policy with basic coverage. The client purchased a home with the intent to…
Read Full ArticlePayment for Antique Knives
Payment for Antique Knives November 23, 2009 The insured has an HO 04 90 04 91 Personal Property Replacement Cost endorsement. The insured had a collection…
Read Full ArticlePool Cover and Replacement Cost for a Homeowner
Pool Cover and Replacement Cost for a Homeowner Q We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement…
Read Full ArticleResident Relative and Separate Policies
Resident Relative and Separate Policies May 3, 2016 The insureds are a mother and daughter who reside together. The mother has an HO-3 policy (HO 00…
Read Full ArticleMotorized Vehicles and Mini-bikes
Motorized Vehicles and Mini-bikes We use an AAIS Homeowner and Farmowner form 2 (2.0). The definition of a motorized vehicle is a self-propelled land…
Read Full ArticleRoot Damage to Plumbing System
Root Damage to Plumbing System Q We are seeing an increase in claims for "tree root" damages to plumbing systems. Specifically, one claim involves…
Read Full ArticleFlood Damage to Vehicle Parts in House
Flood Damage to Vehicle Parts in House June 22, 2015 Our insured recently sustained a flood loss to their home. Prior to the flood, the insured had…
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