Intent of 5 Percent Debris Extension?
Intent of 5 Percent Debris Extension? There is a 5 percent extension for debris removal of covered property under the HO-3 forms. Stated coverage under…
Read Full ArticleShowing Results For 'Channel: Personal Lines'
Damage Caused by Bears
Damage Caused by Bears September 5, 2016 If a bear damages the siding on the insured's garage, would this be covered under the homeowner's policy? Would…
Read Full ArticleVehicle Titles as Personal Records
Vehicle Titles as Personal Records May 5, 2010 I have a question regarding coverage under a HO3. The insured has 24 titled vehicles for road use. A…
Read Full ArticleGravel Driveway
Gravel Driveway November 4, 2014 Regarding coverage B other structures, we need some clarification on the following: "Sometimes questions…
Read Full ArticleIntentional Injury Exclusion and Various Insurance Policies
Intentional Injury Exclusion and Various Insurance Policies We just heard of a disturbing court case, in which a homeowner shot a man, who later…
Read Full ArticleWater Damage under the HO 00 03
Water Damage Under the HO 00 03 Q Our customer is insured on an HO 00 03 10 00. During a recent heavy storm, heavy rainfall caused his well to overflow.…
Read Full ArticleCollapse Coverage under Mobile Home Policy
Collapse Coverage under a Mobile Home Policy Our client has a mobile home covered by an AAIS form ML-3. Part of the roof hangs over the front of the…
Read Full ArticleDeductible Application for Multiple Locations Loss
Deductible Application for Multiple Locations Loss If an insured has two separate locations insured on the same ISO homeowners policy, and each location…
Read Full ArticlePiano Consigned for Sale Is Stolen
Piano Consigned for Sale Is Stolen December 16, 2013 We have an insured that has a piano. Several years ago he contracted with a piano dealer to sell…
Read Full ArticleIs Personal Property Covered during an Insured's Move?
Is Personal Property Covered on HO-3 during an Insured's Move? We have a client insured on a standard homeowners policy (HO 00 03 05 01). We recently…
Read Full Article