Collapse of Retaining Wall Causing Damage
Collapse of RetainingWall Causing Damage Our insured has a homeowners policy with form HO-3. Recently, hydrostatic pressure caused a retaining wall…
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Business Property or Insured's Property
Business Property or Insured’s Property Under AAIS form HO 0003 01 05, coverage C, a. 2) we find coverage for “personal property…
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Broad Theft Coverage, July 2014 edition
Read Full ArticleExcluded "Backup" or Covered "Overflow" of Plumbing on Homeowners
Excluded "Backup" or Covered "Overflow" of Plumbing on Homeowners? Our customer is insured under an HO 00 03 05 01. His small son flushed a tennis ball…
Read Full ArticleFailure to Maintain Heat
Failure to Maintain Heat May 9, 2016 The insured has a secondary home with oil heat. The electricity was on and the heat was set at 55 degrees. During…
Read Full ArticleBoat House on Property Leased from Utility
Boat House on Property Leased from Utility Company August 11, 2016 We insure several lake houses on a lake in North Carolina owned by Duke Energy. The…
Read Full ArticleWaste from Dogs Left Alone
Waste from Dogs Left Alone May 23, 2016 The landlord owns a home insured on a DP-3. The tenant dies off premises, leaving two dogs inside, unknown…
Read Full ArticleEngagement Ring—Purchaser vs. Wearer
Engagement Ring—Purchaser vs. Wearer May 14, 2012 If an insured bought a diamond ring for his son to give to his fiancée, both of whom…
Read Full ArticleEngineering Report and Ordinance or Law
Engineering Report and Ordinance or Law October 2, 2014 I have an insurance carrier that does not want to pay for the cost of an engineering…
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Dwelling Property 1 - Basic Form, July 1988 Edition
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