Homeowners
Homeowners Coverage Form, MHO 4 01 05
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Personal Auto
Special Personal Auto Policy, July 2006 edition
Read Full ArticleTheft Coverage for Lost Luggage and Homeowners Policy
Theft Coverage for Lost Luggage and Homeowners Policy Q We have been presented with a claim for theft of luggage from an airline, and are not sure…
Read Full ArticleBusiness Property When the Insured Retires
Business Property when the Insured Retires August 6, 2013 When does business personal property become personal property? A gentleman retires…
Read Full ArticleVehicle Peril—Motorcycle Leathers Covered
Vehicle Peril—Motorcycle "Leathers" Covered Q Our homeowners insured was forced off the road by an oncoming auto while operating his motorcycle.…
Read Full ArticleLifting of Shingles Causes Damage
Lifting of Shingles Causes Damage September 25, 2013 Citizens Homeowner 3 special form HO-3 01 13 section 1-perils insured against, 2, h. WE DO NOT…
Read Full ArticleDead Storage
Dead Storage August 2, 2012 The insured policyholder had a 1933 vintage hot rod car in dead storage inside his dwelling's garage when a total loss fire…
Read Full ArticleUtility Company Power Failure on Premises
Utility Company Power Failure on Premises June 10, 2014 Reviewing a claim in which the electric company had a surge that damaged a power box…
Read Full ArticleFalling Object Damaged by Vehicle
Falling Object Damaged by a Vehicle One of our homeowners clients is insured on AAIS form ML-3. He was transporting his lawn tractor on a trailer being…
Read Full ArticleLatent Defect Exclusion
Latent Defect Exclusion The roof of our insured's mobile home recently collapsed during a heavy rainstorm when rain collected on the roof. The adjuster…
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