Collapse from Weight of Snow—Coverage for Awnings?
Collapse from Weight of Snow—Awnings We are wondering about collapse coverage for awnings under homeowners form HO 00 03 10 00. The area we live…
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Named Insured does not Occupy Residence Premises--One
Named Insured does not Occupy Residence Premises—One Our agent placed a homeowners policy with our company. The named insured has never occupied…
Read Full ArticleVehicle Peril—Capsized Boat
Vehicle Peril—Capsized Boat Q A homeowners insured (form HO-4) has submitted a claim for a watch, binoculars, clothing, etc. lost when his sailboat…
Read Full ArticleCleanup of Sewage and Remains in Crawl Space
Cleanup of Sewage and Remains in Crawl Space December 3, 2012 We occasionally have a homeowners claim where a house over a crawl space will have a burst…
Read Full ArticleTheft from Home Not Yet Occupied
Theft from Home Not Yet Occupied Q Our insured sold his house prior to having a new one constructed. He moved into an apartment and put his contents…
Read Full ArticlePollution Exclusion in HO-6 and Cleanup of Corpse
Pollution Exclusion Applies to Cleanup of Corpse? June, 2002 We are adjusting a claim for the cost of cleaning up a corpse that had decayed within an…
Read Full ArticleTree Lands on Roof and Debris Removal
Tree Lands on Roof and Debris Removal February 27, 2017 On the HO 3 form, the policy provides $500.00 for tree debris removal per tree…
Read Full ArticleLoss of Water as Loss of Use
Loss of Water as Loss of Use August 18, 2014 I have had two recent scenarios that involve an increased water bill following a covered loss. In…
Read Full ArticleSpecific Inventory Forms
Specific Inventory Forms February 2, 2011 We have several adjusters who refuse to accept personal property inventory claims unless they are submitted…
Read Full ArticleApplication of Pair or Set Clause in the Flood Policy
Application of Pair or Set Clause in the Flood Policy February 12, 2013 If there is water damage to the lower cabinets but not to the…
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