Wind Loss to Personal Property
Wind Loss to Personal Property We have a hurricane claim and there was no damage to either the exterior or the interior of our insured's condo unit.…
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Appraisal and Mediation
Appraisal and Mediation May 20, 2015 Our insured has a high valued homeowners policy, PHVH-998-LA(03/2011). My questions are relevant to the appraisal…
Read Full ArticleTenant Relatives are not Insureds
Tenant Relatives are not Insureds June 10, 2014 Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws…
Read Full ArticleIPhone Cell Phone or Electronic Data Processing Equipment
iPhone – Cell Phone or Electronic Data Processing Equipment? September 20, 2010 A question has surfaced about the iPhone and the application of…
Read Full ArticleDeductible Provision in Homeowners Policy (HO-3)
Damage to Roof—Subsequent Interior Damage Covered? Our insured has an HO 00 03 10 00. A few months ago, following a downpour, he noticed some…
Read Full ArticleReasonable Repairs and Asbestos Removal
Reasonable Repairs and Asbestos Removal Our insured's home suffered water damage as a result of the main water line breaking just outside the home.…
Read Full ArticleGolf Cart used on Public Road
Golf Cart used on Public Road November 14, 2013 We have an HO-3 policy. A golf cart was being driven by our insured's daughter and her friend. The daughter…
Read Full ArticleMildew Coverage on Homeowners?
Mildew Covered on Homeowners? Q During the past summer, our homeowners insured's roof was completely blown off during a windstorm. As a result of…
Read Full ArticleTheft Limitation and Deductible on HO 00 02
Theft Limitation and Deductible on HO 00 02 Q One of my clients, who is insured on a HO 00 02 04 91, lost $7,200 worth of property in a burglary.…
Read Full ArticleVehicle Damage to Borrowed Grill?
Vehicle Damage to Borrowed Grill? Q Our insured borrowed a barbeque grill from a friend. He loaded it in the back of his pickup to return it. On the…
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