FC&S Expert Coverage Interpretation

A summary of the ISO Circular for July 29, 2024. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.

A state-by-state chart of statutes concerning matching in property losses.

An insured makes multiple claims for the same damage.

An insured asks for Fair Rental Value and not Additional Living Expenses coverage after suffering a loss.

A man sought coverage for removing methamphetamine residue from his rental property after his tenant smoked methamphetamine indoors.

This article, the first of three parts, reviews the ISO Dwelling 2014 program. The sections that cover Dwelling, Other Structures, Personal Property, Time Element, and Other Coverages are reviewed as well as a brief discussion of the use of the forms for condominiums.

The ISO FL 01 63 04 16 Amendatory Endorsement that can be added to the Farm Liability policy to add pollution liability.

The ISO DP 03 12 07 14 Windstorm or Hail Percentage Deductible that can be added to a dwelling fire policy.