Latent Defect Exclusion The roof of our insured's mobile home recently collapsed during a heavy rainstorm when rain collected on the roof. The adjuster…

Discusses deductibles that should be applied to loss assessment claims.

Injury on Boat Dock—Homeowners or Boatowners? We insure a boatowner and another insurer writes the homeowners coverage. To protect his boat from…

Guaranteed Rebuilding Coverage Our insured has an HO 00 03 10 00 with endorsement HO 04 11 10 00 additional limits of liability for coverages A, B,…

Farm Personal Property versus Personal Property We write a lot of farm business. Our insured had a farm policy that provided coverage for farm personal…

Internet Fraud Covered Under Homeowners? Our homeowners insured paid a substantial sum of money for a Rolex watch he saw offered at an internet auction…

Discusses damage from an ice dam to the interior of the home.

Homeowners and Personal Auto Policy—Loss Covered by Both? Our insured borrowed a pickup from his father-in-law, which had a utility trailer attached.…

Is There Homeowners Coverage for Minor Children Who Leave Home? The minor son of our HO-3 client recently moved out. He has expressed his intention…

How Should HO 00 15 Be Applied in Piano Loss? Our homeowners insured has a 1916 mahogany Steinway grand piano that he purchased some fifteen years ago.…