Reporting Form Endorsement— No Penalty in Spite of Underreporting Q Our insured suffered a loss under ISO's building and personal property form…

When snow slides off the roof and damages spouting on the way down, is there coverage?

Tree causes downed power lines and resulting low voltage, damaging property. Is this covered?

Fixtures and Additions as Building or Contents? Q I am involved in a loss where the landlord supplied movable partitions, which are hard wired into…

Burned, But Not Dead, Trees Covered? We have an HO3 4-91 policy. The loss is a brush fire in the insured's yard. They had damage to trees, shrubs, and…

Mildew in the attic.

Property in Self-Storage Locker Q This question involves whether or not personal property in a self-storage unit is covered and to what extent. There…

Water Tank Adjacent to Insured's Property Q I have a customer whose home is built on a lot next to an elevated water tank. The tank holds approximately…

Discusses forceable entry and missing property in a facility open 24/7.

Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…