Collision of Fine Arts
Collision of Fine Arts May 3, 2012 The insured has wine goblets and wine glasses scheduled under the HO 04 61 04 91, Scheduled Personal Property Endorsement.…
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Son Living in Other Structure a Member of the Household
Son Living in Other Structure a Member of the Household? November 7, 2010 I have a question on an HO 00 08 04 91. The insured's forty-two-year-old son…
Read Full ArticleInsured's Failure to Adhere to Policy Conditions
Insured’s Failure to Adhere to Policy Conditions April 29, 2013 Insured delayed providing the proof of loss to the carrier on a theft claim. Carrier…
Read Full ArticleCalculation of Repair or Replacement Costs
Calculation of Repair or Replacement Costs October 9, 2017 My client lives in Marin County, California where the costs of the building…
Read Full ArticleCoverage C Limit for Property at Other Residences
Coverage C Limit for Property at Other Residences I am looking for clarification on the ISO contract regarding the 10% of Coverage C limit for…
Read Full ArticleInsuring a Duplex
Insuring a Duplex October 4, 2012 We are experiencing situations involving duplex homes where coverage is being requested under a HO 2 or HO 3 form.…
Read Full ArticleAppraiser Objectivity
Appraiser Objectivity October 2, 2017 When involved in an appraisal I have found it more and more common that the appraiser for the insurance company…
Read Full ArticleHoney from Bee Hive Leaks into Dwelling
Honey from Bee Hive Leaks into Dwelling May 20, 2015 Is there any coverage on an all risk policy for damages due to a bee hive leaking honey into the…
Read Full ArticleGuaranteed Replacement Cost and Repair or Replacement
Guaranteed Replacement Cost and Repair or Replacement February 4, 2014 The policyholder has the guaranteed replacement cost endorsement (GRC) on her…
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Homeowners 8 Modified Coverage Form, April 1991 Edition
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