Maintenance of a Motor Vehicle on a Homeowners Policy
Maintenance of a Motor Vehicle on a Homeowners Policy Insured girlfriend's mother was visiting the insured and pulled her auto into insured driveway.…
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Dwelling Program
Dwelling Property 3 - Special Form, July 2014 edition
Read Full ArticleLiability Coverage on Right-of-Way?
Liability Coverage on Right-of-Way? Our insured has a right-of-way through his property that is used consistently by the local power company. Since…
Read Full ArticleOff Premises Coverage for Backhoes and Other Such Vehicles
Off Premises Coverage for Backhoes and Other Such Vehicles We are concerned about coverage under ISO homeowner forms for "motor vehicles" that could…
Read Full ArticleWhat Constitutes Business Property on a Homeowners Policy?
What Constitutes Business Property on a Homeowners Policy? Q Our HO 00 03 04 91 insured is a free-lance author. She was scheduled to go to Russia…
Read Full ArticleFungi Endorsement Application
Fungi Endorsement Application I have a mold claim on a form 3 homeowner policy. They have the fungi coverage endorsement. The endorsement states we…
Read Full ArticleSistering and the Repair of a Home
"Sistering" and the Repair of a Home Q We are a public adjusting firm. Our client's home is insured on an independently filed HO 00 03 05 01. A recent…
Read Full ArticleResidue from Kerosene Lamps
Residue from Kerosene Lamp December 7, 2012 A kerosene lamp was used at a secondary residence in the springtime. The soot was later discovered…
Read Full ArticleGuaranteed Replacement Cost—Effect on Other Coverages
Guaranteed Replacement Cost—Effect on Other Coverages The standard HO-3 policy provides coverage for trees and shrubs in the amount of 5 percent…
Read Full ArticleOven Cleaner as Pollutant
Oven Cleaner as Pollutant February 17, 2010 A question has surfaced concerning application of the pollution exclusion language contained in the HO 03…
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