Irrigation System Plumbing or Not
Irrigation System: Plumbing or Not? November 7, 2010 We have an insured with a Masterpiece homeowners policy with Chubb. The insured has an irrigation…
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Multiple Proofs of Loss Requested
Multiple Proofs of Loss Requested August 4, 2010 Our insured was asked to submit a proof of loss. They did and the adjuster rejected it on the grounds…
Read Full ArticleResidence Next to Lake
Residence Next to Lake June 10, 2014 The insured premises abuts a lake. The homeowner's insured allowed another, nonresident, to use a personal…
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Homeowners 8 - Modified Coverage Form, October 2000 Edition
Read Full ArticleReplacement Cost—Second Insurer Liable Even if First Insurer Paid Too Much
Replacement Cost—Second Insurer Liable Even if First Insurer Paid Too Much Q One of our homeowners insureds was paid for a total loss to his…
Read Full ArticleOccupancy and Utilities
Occupancy and Utilities October 24, 2011 We are working a claim in which the home was still being occupied but the insured had the utilities off for…
Read Full ArticleDebris Removal Part of ACV Loss
Debris Removal Part of ACV Loss? There was a fire loss to the insured’s home. I have reached agreements for the coverage A (building) portion…
Read Full ArticleMember of Boat Club an Owner or Renter of Boats
Member of Boat Club an Owner or Renter of Boats? April 14, 2010 We have been presented a claim where the claimant was injured on a boat. The boat was…
Read Full ArticleLeaking Pool Shifts Patio Blocks
Leaking Pool Shifts Patio Blocks June 11, 2013 Insured called and reported water damage to air conditioner and patio blocks from the neighbor’s…
Read Full ArticleReplacement Cost Claims and Time Restrictions
Replacement Cost Claims and Time Restrictions The insured has a Special Form Homeowners Policy (ISO form), with replacement cost coverage on the contents.…
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