Medical Payments to Others—Preventive Medical Care
Medical Payments to Others—Preventive Medical Care Q We have a question about homeowners medical payments coverage. Our insured was entertaining…
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Repeated Seepage or Leakage
Repeated Seepage or Leakage Q Our insured is covered under an HO 00 03 04 91. Some time ago he noticed a wet patch on his bedroom wall. He meant to…
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Homeowners 3 - Special Form, May 2001 Edition
Read Full ArticleCarbon Monoxide Poisoning Covered?
Carbon Monoxide Poisoning Covered? Our insured had some friends in his garage for a get-together. Because it was winter, they had a space heater going.…
Read Full ArticleMedical Payments Coverage for Rental Property
Medical Payments Coveragefor Rental Property Q Our insured has an HO-3 (1984 edition) with the HO 70, Additional Residence Rented to Others, endorsement…
Read Full ArticleScheduled Limits and Value of Stolen Ring
Scheduled Limits and Value of Stolen Ring June 10, 2014 The insured had a ring stolen that was not specifically scheduled. Our policy has a special…
Read Full ArticleDuties of Appraisers
Duties of Appraisers July 9, 2013 I am an Independent Adjuster assigned to represent a carrier as a competent, impartial appraiser on a homeowners claim.…
Read Full ArticlePerson Living in Unit over Barn
Person Living in Unit over Barn October 26, 2015 I have a standard HO-3 on this risk; the insured is in horse country and has a barn with a living unit…
Read Full ArticleOrdinance or Law and Rebuilding the House Elsewhere
Ordinance or Law and Rebuilding the House Elsewhere Q This issue concerns interpretation of the Ordinance or Law coverages found within the HO-3 (Ed.…
Read Full ArticlePurchase from Craigslist is not Replacement Cost
Purchase from Craigslist Is Not Replacement Cost January 27, 2016 We have a theft claim involving a 2005 ATV. Per the insured the ATV is used to service…
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