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.…

Money or Business Property Limits at Issue Our homeowners insured maintains ATM machines. He recently made a substantial withdrawal at his bank and…

When you accidentally shoot the refrigerator.

Our insured is allergic to bee stings and was recently stung by a bee. He was driving himself to the doctor's office for treatment when he passed…

Personal Property in Self-Storage Facility Q The following situation has come up several times and we would like your opinion. Say an insured family…

Policy Period Discussion I would like to have your opinion on the following situation: The Personal Liability coverage under Insured Location definition…

Coverage when passenger is already injured and is injured again in an accident.

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…

Theft of Phone Time—Insured Loss? Q We have had a somewhat unusual claim presented to us. The insured has an HO 03. She had to go out of town…

When the insured wants to change the property using settlement funds.