The Dec Page this month concludes the discussion of EIFS (exterior insulation and finish systems) that started in the August FC&S issue. This article discusses the history of EIFS and EIFS-related claims under the CGL coverage form.

Also in the Dec Page are court cases from North Carolina, Washington, and the United States District Court in West Virginia dealing with automobile insurance coverage issues. The emphasis in these cases is on the interpretation of the words “maintenance” and “use” of an auto in relation to insurance coverage for liability claims against the insured.

Question and Answers

How is anticipated rental income calculated when an insured had intentions to increase rents before a business interruption loss occurred? See Rent Increase Included in Business Income Calculation? What is covered when a light fixture explodes over a swimming pool? See Pollution Clean-Up. How should the exhaust hood in a commercial kitchen be covered? See Cooking Hood Not Business Personal Property. Was an attack by a group of people in a private residence an instance of riot or civil commotion? See Beating a Result of Riot or Civil Commotion?

Property Coverages-AAIS Homeowners

AAIS has made several changes to its homeowners policies, including new coverages. This article discusses the changes in the property portion of the new forms and also highlights differences between AAIS and the ISO forms. See Property Coverages AAIS Homeowners.

Liability Coverages-AAIS Homeowners

This article discusses the changes to the liability portion of the newly updated AAIS Homeowners policy. As in the property discussion, changes are highlighted as well as differences between AAIS and ISO. See Liability Coverages AAIS Homeowners.

ISO Market Segments Program: Restaurants

This article discusses the newly updated ISO market segments restaurants coverage form, MS RS 01 05 07, which modifies the CGL forms, the building and personal property coverage form, and the causes of loss—special form. See Restaurants.