Replacement Cost and the Actual Cost to Repair or Replace
Replacement Cost and the Actual Cost to Repair or Replace March 14, 2016 I have on my desk today three claims that involve other structures, and all…
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Fallen Tree and Rodents
Fallen Tree and Rodents February 2, 2012 I have a question on a HO-3 policy. Our insured had a tree fall on the roof punching a hole through it; the…
Read Full ArticleOccurrence Requires an Accident
Occurrence Requires an Accident August 18, 2011 Our insured has a HO 00 03 04 91 policy. A liability claim has been presented against the policy. A…
Read Full ArticleAnimal Damage Exclusion on Homeowners Policy
Animal Damage Exclusion on Homeowners Policy Our insured's toddler left a plastic bottle of grape juice lying on the wall-to-wall carpet. The family…
Read Full ArticleExclusion of Wet Rot and Homeowners
Exclusion of Wet Rot—Homeowners We have an unusual situation and would like your opinion. Our homeowners insured's bathtub was improperly installed…
Read Full ArticleResidency and Ownership
Residency and Ownership October 25, 2012 Our insured was living in a residence located in south-central California approximately 16 months prior to…
Read Full ArticleDefinition of Insured May Bar Coverage
Definition of Insured Bar to Coverage on HO We have had a claim denied under a homeowners policy and would like your help in explaining the denial…
Read Full ArticleAssumption of Obligation Explained
Assumption of Obligation Explained November 8, 2010 Duty C. in Section V. Duties After Loss of the ISO Personal Umbrella Policy reads as follows: "…
Read Full ArticleCondominium Association Causes Damage While Making Repairs
Condominium Association Causes Damage While Making Repairs Hurricane damage occurred to a condominium complex in 2005. Due to claims issues, a settlement…
Read Full ArticleSalvage Rights to House?
Salvage Rights to House? The scenario is this. We have a client who was under-insured at the time of loss. The policy limit on the contents portion…
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