Other Insurance and Personal Property at Secondary Residence Our insured had a total fire at his vacation home. The home is insured on a DP 00 01 (07…

Water Leakage Causes Covered Damage? We have an insured that had a leak occur in the line running from her house to the municipal sewer. According to…

Application of water backup endorsement.

Theft Coverage for Dwelling Being Repaired Q Our client is insured on an HO 00 03 04 91. Recently, he had a partial fire loss. The kitchen and adjoining…

Fixtures Include Modular Office System? Q We have a commercial property client with a CP 00 10 04 02 policy who suffered a loss due to Hurricane Hortense.…

Water Damage Under the HO 00 03 Q Our customer is insured on an HO 00 03 10 00. During a recent heavy storm, heavy rainfall caused his well to overflow.…

Other Insurance Clause and Homeowners Coverage Q When two insurance companies provide property coverage in equal amounts on the same dwelling, can…

Deductible Application for Multiple Locations Loss If an insured has two separate locations insured on the same ISO homeowners policy, and each location…

When a hurricane topples a tree.

Notification Requirement Satisfied by Calling Police Under most policies, there is a duty for the insured to notify the police in the event of a theft…