Chinese Drywall
Chinese Drywall What ISO policy exclusion under an HO3, if any, applies to a product defect? We have seen a couple of instances in Louisiana where the…
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Hot Tub as a Swimming Pool?
Hot Tub as a Swimming Pool? Our HO 00 03 04 91 insured has a hot tub on his deck that is kept full of water year round. This past winter was mild, but…
Read Full ArticleLuggage Lost or Stolen
Luggage Lost or Stolen? This issue comes up a lot and there is always a difference of opinions. Our Insured flew on a commercial flight and although…
Read Full ArticleWater Overflow Coverage in a Tenant's Policy
Water Overflow Coverage in a Tenant's Policy April 29, 2013 This loss involves a tenant's policy under an HO 4 policy form. The policyholder resides…
Read Full ArticleResidence Premises Defined?
Residence Premises Defined? One of our homeowners insureds (on an HO 00 03 10 00) was in a nursing home for nearly five years prior to her death. Her…
Read Full ArticleDwelling
Personal Liability, December 2002 edition
Read Full ArticleWater Damage to Personal Property
Water Damage to Personal Property Q We insure the tenant of a house under an HO 00 04 05 01, with broad form named perils on his personal property.…
Read Full ArticleHomeowners Coverage for a Home Never Occupied
Homeowners Coverage for a Home Never Occupied May 21, 2012 The insured's rental property was constructed two years ago, and a certificate of occupancy…
Read Full ArticleMoney or Business Property Limits at Issue
Money or Business Property Limits at Issue Our homeowners insured maintains ATM machines. He recently made a substantial withdrawal at his bank and…
Read Full ArticleDrywall and Paneling Replacement
Drywall and Paneling Replacement February 2, 2011 I am handling a fire claim in which there was fire-taped drywall behind the paneling. The insurance…
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