Coverage Format


May 09, 2018

Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners policy. While playing, her children (all of…

May 09, 2018

We have had a claim denied under a homeowners policy and would like your help in explaining the denial to our insured.Here is what happened: our…

May 09, 2018

Our claims department continues to struggle with coverage provided by the CP 00 17 10 00 for (specifically) carpeting, and also wallpaper and paint…

Collectibles as Business Property A claim has been presented to us for payment resulting from a loss of antiques and collectibles due to a fire at an…

May 09, 2018

Our insured has a standard homeowners policy. Last fall he and his daughter, age six, were in a department store when the daughter wandered off and…

May 09, 2018

Our insured, vice-president of sales for a large company, has an HO 00 03. We also insure the company under a standard ISO CGL. Recently, the vice-president…

May 09, 2018

There was a fire loss to the insured's home. I have reached agreements for the coverage A (building) portion of the claim on both replacement cost…

May 09, 2018

The following exclusions apply to: 1. all property covered under this form.c. Extremes of temperature or dampness of atmosphere.We do not pay…

May 09, 2018

Are costs associated with dry cleaning and the rental of storage space covered by 1991 HO-3 policy?

May 09, 2018

Our insured, on an HO 00 03 10 00, had his home damaged during a recent thunderstorm. Lightning hit his well pump, and wind blew a tree down onto…