The option to take actual cash value instead of replacement cost, with claiming replacement cost within 180 days of the date of loss, is a conscious decision by the insured.

When does a waiting period apply to business income expense coverage?

When does a waiting period apply to business income expense coverage?

Should an accounting bill be counted as part of a business interruption claim expense? What about the cost of temporarily relocating a business?

Should an accounting bill be counted as part of a business interruption claim expense? What about the cost of temporarily relocating a business?

If an insured rents a vehicle for three months, would that be considered available for his regular use?

What deductible applies to a residential loss that causes personal property damage? What about a single auto accident that damages two vehicles owned by the same person?

ALE provides coverage for additional living expenses over and above the insured's normal living expenses.