Water back-up is one of the more confusing coverages in homeowners policy. So what is a back-up, and how is it different from an overflow or a discharge?

Condo policies can be confusing, and both the unit owner and association must adhere to statutes that dictate where coverage is found for certain parts of the building.

Condominium policies can be confusing, and both unit owner and association must adhere to statutes that dictate where coverage is found for certain parts of the building.

Condominium policies can be confusing, and both unit owner and association must adhere to statutes that dictate where coverage is found for certain parts of the building.

A family's shed is destroyed by a river of mud. Is it covered? Test your knowledge of water exclusions before hurricane season begins.

A family's shed is destroyed by a river of mud. Is it covered? Test your knowledge of water exclusions just in time for disaster season.

Technology has made bullying much more pervasive while complicating bodily injury claims and liability.

Facebook, Twitter and other social-media sites have helped the bullying of an individual take on a whole new life of its own.