September 2010 Dec Page Question of the Month   A standard feature of property insurance forms is the exclusion of various categories of loss associated…

Business Exclusion Not Applicable When Homeowner's Dog Bites Boarder The issue before the appeals court was whether either the business or rental exclusions…

Designated Premises Endorsement and Necessary and Incidental Operations The standard commercial general liability (CGL) form usually provides insurance…

Discusses the theft of copper pipes and other damage in a home burglary.

Settlement Value of Scheduled Jewelry August 4, 2010 Insured's wife had her wedding ring stolen. The insurance company has agreed to replace it. The…

Rented Condominium Liability Coverage August 4, 2010 Our insured has a Homeowners Unit Owner's policy (HO 00 06) and has filed a claim for property…

Liability when something happens related to offsite vacant land.

Discusses costs to dry out home by running air conditioning; repairs or ALE?

Multiple Proofs of Loss Requested August 4, 2010 Our insured was asked to submit a proof of loss. They did and the adjuster rejected it on the grounds…

Loss of Rents when Renting to Relative August 4, 2010 We are working a claim in which there is a rental policy in place that covers loss of rents. The…