Determining Cause of Loss
Determining Cause of Loss October 26, 2015 A hole was discovered in a client's pool super structure. They have an all risk policy. The insured believed…
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Dropped Cell Phone
Dropped Cell Phone March 9, 2015 The insured, while driving his vehicle, had his cell phone in his lap. He parked his vehicle, and when he got out of…
Read Full ArticlePlumbing Leak under Driveway
Plumbing Leak under Driveway April 11, 2016 This question involves a DWG 3 ISO policy. A toilet overflowed and caused interior damage. The plumber ran…
Read Full ArticleProperty Removed Coverage?
"Property Removed" Coverage? Our insured has an ISO HO 00 03 04 91. There was a furnace malfunction (puffback) which caused smoke and soot throughout…
Read Full ArticleDebris Removal Demolition and Resulting Hole
Debris Removal, Demolition and Resulting Hole The insured suffered a total loss to their residence. The insurance company has agreed to cover the cost…
Read Full ArticleWater as Personal Property
Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…
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Clean-up Coverage HO-6 condo policy - our insured rented the unit to a couple they were acquainted with - and on 11/27/07 the wife shot herself in the…
Read Full ArticleLiability Coverage When Part of the Property is Leased to an Oil Company
Liability Coverage When Part of the Property is Leased to an Oil Company On an ISO HO 00 03 10 00 form, the insured leases land to a gas/oil…
Read Full ArticleTheft of Tenant's Property
Theft of Tenant’s Property February 10, 2014 We have a homeowner's HO-03 policy. We have a four car garage on our property and rent part of it…
Read Full ArticleRaccoons in the Attic
Raccoons in the Attic October 5, 2015 I have a client that has sustained raccoon damage to his home, including the soffit area. This is a seasonal home…
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