September 2014 Dec Page   Article of the Month   Ensuing losses are exceptions to an exclusion found in many homeowner policies. Questions…

Boat House on Property Leased from Utility Company August 11, 2016 We insure several lake houses on a lake in North Carolina owned by Duke Energy. The…

September 2016 Intro Page   Dec Page   The article of the month deals with the definition of residence premises. This definition is key to…

Are broken door handles and similar damage that occurs over time damage?

Fraud of the Week September 5, 2016 Auto Fraud—Maryland Amount: $1,000 to $10,000   A Maryland woman has been sentenced to ninety days…

Hot Air Balloon Insurance   September 5, 2016   Summary: Hot air balloons tend to attract attention when they are in the air. They are large,…

Comments on the Assault and Battery Exclusion   September 5, 2016   Kinsale Insurance Company brought an action seeking a declaration that…

Damage Caused by Bears September 5, 2016 If a bear damages the siding on the insured's garage, would this be covered under the homeowner's policy? Would…

Blanket Additional Insured Endorsement   August 29, 2016   The general contractor brought an action against the subcontractor and the subcontractor's…

Theft or Vandalism Damage? August 29, 2016 Applicable policy is a CP 00 10 10 91, Special Cause of Loss form. It is endorsed with a Theft Exclusion,…