Vacancy and Construction Renovation
Vacancy and Construction, Renovation The insured purchased a foreclosed home on March 4, 2011 and immediately took out a Non-Owner Occupied…
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Collapse of Floor
Collapse of Floor August 1, 2012 PH insures a home under her HO 3 policy. The dwelling has a sunroom built on wooden piers. The patio floor caves in…
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Homeowners 6 - Unit-Owners Form, May 2001 Edition
Read Full ArticleSecond Claim Occurs Before First Claim Repairs Completed
Second Claim Occurs Before First Claim Repairs Completed July 10, 2012 This is in reference to a non-owner occupied (rental) property. The insured…
Read Full ArticleWinterizing Gone Awry
Winterizing Gone Awry October 26, 2015 A client of ours owns a second home in New Jersey and had hired a plumber to winterize his plumbing before the…
Read Full ArticleWhen are Expenses Incurred
When are Expenses Incurred? December 4, 2017 When an insured hires a builder to make repairs, signs a contract with the builder, have…
Read Full ArticleCancellation of Debt and Medical Expense Coverage
Cancellation of Debt and Medical Expense Coverage January 5, 2015 Our Insured has a homeowners policy (HO 3 10 00) with Med pay coverage.…
Read Full ArticleWater Damage from Collapsed Swimming Pool
Water Damage From Collapsed Swimming Pool Q Our client is insured by a homeowners policy form HO-3. Their above-ground swimming pool collapsed due…
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Homeowners 2 - Broad Form, October 2000 Edition
Read Full ArticleDeceased Insured and Coverage for Remaining Property
Deceased Insured and Coverage for Remaining Property Our named insured passed away in November 2007. The house remains unoccupied. In late December…
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