Mortgagee's Claim Covered?
Mortgagee's Claim Covered? We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an…
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Homeowners
Homeowners 6 - Unit-Owners Form
Read Full ArticlePair or Set Clause
Pair or Set Clause Our insured threw away an old bathrobe, not realizing her diamond earrings were in the pocket. By the time she discovered they were…
Read Full ArticleFluids Damage Assisted Living Facility
Fluids Damage Assisted Living Facility January 7, 2014 Our insured had a HO 4 policy (04/91) policy. Our insured is a tenant at an assisted living facility.…
Read Full ArticleTheft versus Mysterious Disappearance
Theft vs. Mysterious Disappearance Q Our homeowners insured recently reported the loss of a diamond ring. She had stayed overnight in a motel and…
Read Full ArticleDefinition of Business
Definition of Business March 5, 2012 The insured is a retired music teacher who charges $10 a lesson for thirty minutes of her time. The insured said…
Read Full ArticleParty in Leased Premises Causes Damage
Party in Leased Premises Causes Damage July 21, 2014 A beach house insured on an HO 03 policy was rented to others. Our investigation revealed…
Read Full ArticleAre Spare Auto Parts Covered on the Homeowners Policy
Are Spare Auto Parts Covered on the Homeowners Policy July 10, 2017 State Farm is denying coverage on extra Auto Parts. They were in a…
Read Full ArticleReplacement Cost and Purchase of New Dwelling
Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…
Read Full ArticleFair Rental Value and Occupancy of the Dwelling
Fair Rental Value and Occupancy of the Dwelling January 21, 2010 Insured property is covered on an HO 02 and the insured is claiming Fair Rental Value…
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