Homeowners
Special Provisions - Massachusetts, October 1999 Edition
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Claim Investigation Expenses—Whose Responsibility?
Claim Investigation Expenses—Whose Responsibility? A question has been raised as to who is responsible for the expenses associated with a claim…
Read Full ArticleWind-driven Rain over Period of Time
Wind-driven Rain over Period of Time September 14, 2015 We have an HO 00 03 05 11 with endorsement HO 32 32 06 12, which states that constant or repeated…
Read Full ArticleDuplicate Contents Coverage
Duplicate Contents Coverage I am handling a case on behalf of an insurance company. Coverage C of their homeowners policy is at issue in this bad faith…
Read Full ArticleRCV Holdback When Less than Settlement Amount is Spent for Repairs
RCV Holdback When Less than Settlement Amount is Spent for Repairs June 5, 2017 Under the standard HO-3, within the Loss Settlement Condition, there…
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Unit-Owners Coverage C Special Coverage, May 2011 edition
Read Full ArticleBed and Breakfast May Not Be a Business
Bed and Breakfast May Not Be a Business August 12, 2013 The homeowner policy allows for occasional rental of the dwelling to others. What if the insured…
Read Full ArticleIntent to Repair or Replace
Intent to Repair or Replace May 15, 2017 The ISO Dwelling 3 policy provides replacement cost benefits. Please provide your interpretation of the application…
Read Full ArticleIn-laws Are Not Insureds
In-laws Are Not Insureds February 4, 2014 Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws at a reduced…
Read Full ArticleClosing Costs as Part of Replacement Cost
Closing Costs as Part of Replacement Cost January 5, 2015 Our insured has a standard HO-3 policy. They suffered a total loss of their…
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